Return Payment

A charge a member may assess if the member attempts to pay a credit card or loan bill with a check/ACH/Credit Card that is returned unpaid for having...

Routing Number

The Members 1st routing number is 321174738. A routing number is a unique identifier assigned to every financial institution and used for settling check...

Share

A Share refers to your $1 share deposit required when you open your Members 1st Credit Union account and acts as your share or stock in the credit union...

Share Secured Visa Credit Card

The Members 1st Share Secured Visa credit card looks and works just like a regular credit card, except that a cash deposit of 120% of the credit limit...

Smishing

Fraudulent text messages claiming to be from your credit union or a known business is commonly referred to as ‘Smishing’. They might offer a gift...

Stop Payment (Electronic/Check)

A Stop Payment may be requested to place a stop on a check or ACH payment currently in process. Stop payments will remain in effect for 14 calendar days...

Subaccount

Subaccounts are auxiliary savings accounts you can use to organize the funds within your savings account. Subaccounts may be requested...

Teen Tycoon

Our Teen Tycoon account is for minors ages 13-17 consisting of a checking or savings accounts and prizes for each deposit and gifts with every $500 deposited...

Terms

A term is the duration of time you have agreed to repay a loan balance. In most cases, loans can be repaid quicker than the length of the term. Subsequently...

Variable Interest Rate

A variable interest rate loan is a loan in which the interest rate charged on the outstanding balance varies as market interest rates change. As a result...