$50 BONUS FOR NEW MEMBERS¹
Step 1:
Open a checking account² and enroll in direct deposit.
Step 2:
Contact your employer's payroll office to enroll in direct deposit. Then provide the following account details:
- Routing number: 231382241
- Members 1st account number
Step 3:
Ensure at least one direct deposit of $200 or more posts by February 28, 2026.
Support Your Big Dreams
At Members 1st, every move we make puts your well-being first. From personalized guidance to everyday convenience, we’ll help you do more, dream bigger and live your best. As a member, you’ll enjoy:
Personalized help
Real support from real people—online or in-branch.
Member perks
Exclusive member rates with fewer fees.
Built-in protection
Built-in peace of mind with layered security.
Products and Services
Access a full suite of personalized tools, advice and services with competitive rates and exclusive rewards—all to help you do more with your money.
Save
From setting up a safety net to hitting your long-term goals, we offer high rates and zero annual fees so you can grow your money faster.
- Certificates
- Health Savings
- IRAs
- Goal Savings and Club
Spend
Everyday banking made simple—with no minimum balance requirements, free bill pay, overdraft protection included with every account.
- Free Checking
- Visa Debit Cards
- 1st Defense™ Checking
- Courtesy Pay
- Send Money Service
Borrow
Flexible funds for life's big moments—with great rates and no prepayment penalties.
- Auto Loan
- Home Equity Loan
- Personal Loan
- Mortgage
- Student Loan
- Visa Credit Cards
LIVE WELL
Your goals are unique—and we’re here to help you reach them. As a member of Members 1st, you get access to tools, one-on-one support and personalized guidance for things like:
- Budgeting
- Debt Repayment
- Improving Your Credit Score
- Money Management
- Housing Decisions
What Our Members Are Saying
LAURI H.
Berks County
Member Since 2020
RALPH W.
Cumberland County
Member Since 1974
JOE T.
Lancaster County
Member Since 2020
ISMAEL T.
Lehigh Valley
Member Since 2019
HOLLY L.
Cumberland County
Member Since 1987
STEVE M.
York County
Member Since 1999
RALPH W.
Cumberland County
Member Since 1974
HOLLY L.
Cumberland County
Member Since 1987
STEVE M.
York County
Member Since 1999
JOE T.
Lancaster County
Member Since 2020
ISMAEL T.
Lehigh Valley
Member Since 2019
LAURI H.
Berks County
Member Since 2020
STEVE M.
York County
Member Since 1999
RALPH W.
Cumberland County
Member Since 1974
HOLLY L.
Cumberland County
Member Since 1987
JOE T.
Lancaster County
Member Since 2020
ISMAEL T.
Lehigh Valley
Member Since 2019
LAURI H.
Berks County
Member Since 2020
JOE T.
Lancaster County
Member Since 2020
STEVE M.
York County
Member Since 1999
RALPH W.
Cumberland County
Member Since 1974
HOLLY L.
Cumberland County
Member Since 1987
ISMAEL T.
Lehigh Valley
Member Since 2019
LAURI H.
Berks County
Member Since 2020
Become a Member
At Members 1st, we prioritize you—our member—and opening an account is easier than you can imagine. Ready to take the next step and start a lifetime of benefits?
Become a Member¹About the $50 Bonus – To receive the $50 cash bonus you must use this coupon and open an account in a branch by 12/31/2025, enroll in direct deposit and ensure at least one qualifying payment of $200 or more posts to your new account by 2/28/2026. $5 is required to open the account and must remain in the account until closure. Account must remain open and in good standing for 30 days to receive the bonus. After meeting these requirements, the $50 bonus will be deposited into the account as ‘dividends’ up to 30 days after the account is opened. Offer does not apply to Health Savings Accounts (HSAs) or Business Accounts. The Annual Percentage Yield (APY) is currently .10% and valid as of 11/17/2025. There is a $50 minimum balance to earn the APY. Rates are variable and subject to change at any time. Fees could reduce earnings on the account. Bonus will be reported to the IRS for income tax purposes. Members 1st will issue you a 1099 or other appropriate tax form.
²Eligibility of prospective member is subject to verification. Current members and joint owners do not qualify as prospective members. Associates, volunteers and officials of Members 1st are not eligible.
³Insurance products are offered and sold by third-party providers. Members 1st Federal Credit Union does not offer or sell insurance. Insurance products are not share accounts, obligations, nor are they guaranteed by Members 1st Federal Credit Union, or by any of its affiliates. Insurance products are not federally insured.