AVENUESMEMBERS 1ST NEWSLETTER | SUMMER 2019

LEARN ABOUT OUR MEMBER PANEL

MEET LOCAL BUSINESS MEMBER SARAH BARR

HOW TO WORK WITH A FINANCIAL ADVISOR

Feedback from f ive generations

Pages 8-9

Pages 6-7

Page 10

2 AVENUES

PROMO RATE: AFTER PROMO RATE:

APR* for 12 billing cycles APR* thereafter

0.00% 11.00-18.00%

Get started at any branch, members1st.org or call

(800) 283-2328, ext. 6035.

Move your high interest credit card balances you have elsewhere to your new Visa Signature Rewards card. Our Balance Transfer program is the perfect solution to help you manage your bills.

VISA® BALANCE TRANSFER SPECIAL

SAVE MONEY

Move your high interest

balances today!

Offer expires December 31, 2019.*The 0.00% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will be in effect from the time of the posting of the balance transfer to your card account for twelve consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. A 3% transaction fee for the amount of your transferred balance will be applied to your account for this promotion. After the expiration of your “Discounted” rate the remaining unpaid portion of the original balance transfer request will be subject to your regular APR as outlined on your monthly statement based on the specific Members 1st FCU credit card selected. Current rates range from 11.00% APR to 18.00% APR. Consumer Cards (Business Cards and Secured Cards are ineligible) may have up to 10 individual balance transfers open at any given time period. The minimum balance transfer amount allowed is $20. Any balance transfer request that is submitted for less than $20 will not be honored. If you default through becoming 60 days or more delinquent we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement and disclosure, which is provided upon card issuance and available online at www.members1st.org. We will apply your minimum payment amount first to any fees, then to Interest Charges on Cash Advances, Balance Transfer, and then to new Purchases. If applicable, any payment amount in excess of the minimum payment will be allocated first to high rate balances. All rates are effective as of July 1, 2019 and this offer may be withdrawn at any time. Other restrictions or conditions may apply. You may not pay off any other Members 1st credit card, line of credit or loan product by using this balance transfer option. For current rates, fees and other cost information, please reference the Visa Balance Transfer disclosure or contact the Members 1st FCU Card Services Group at (800) 283-2328, ext. 6035. Offer expires December 31, 2019. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

SUMMER 2019 3

Moving Forward to Serve YouIt is hard to believe that we are already more than halfway through 2019. We are happy to report that your Credit Union is having a great year comprised of exciting changes, growth, and plans

to forge ahead well past next year’s 70th anniversary celebration. On behalf of all of us here at Members 1st, I want to thank you for your ongoing confidence, business and support.

We began the year with the launch of a new Visa Signature® card, which features many enhanced benefits and services, including your choice of either cash back or points rewards. In March, we introduced the innova-tive My Concierge program which is quickly proving to be a game-changer in the local financial services market. This program makes a dedicated concierge Relationship Manager available to help you, on demand, with all aspects of your financial needs.

We held the first Five Generations Advisory Panel session in May. This panel is just one way we engage with a cross-generational mix of members to gain perspective on needs, preferences, and learning styles that span five generations. You can learn more about the panel on pages 8-9.

Soon, you will hear more about moments and milestones, including stories from members and community partners in our outreach and marketing initiatives. On pages 6-7, we feature an article about a local business owner who thrived with the help of our My Concierge service, supported by her strong relationship with our Branch and Relationship Managers. It is our hope that stories like these inspire you to share your story and help motivate other members to reach out to us as well. We are excited to hear from you!

As we approach the fall season, we would like to recognize our members who are

students. Congratulations to the Education Award winners who spent the summer with us gaining valuable work experience. Their stories appear on page 5.

Focusing on your digital experience will continue to be a main initiative as we round out the year. In the months to come, you will experience many new and exciting digital banking enhancements. Additionally, we recently hired a new Digital Marketing team which will have the privilege of telling your unique stories and interacting with members in innovative ways. You can meet this new team on page 13.

Aside from being your financial institution, did you know that Members 1st is a great place to work? As an employer of choice, we are always looking to hire the best possible candidates to serve you. The Associate Experience team has implemented more enhanced benefits and new programs to enrich our overall work-culture. We invite you to attend upcoming Hiring Events.

In the previous issue of Avenues, we announced our intent to build a new head-quarters campus. We are pleased to report that the Hampden Township Commissioners unanimously approved the next stages of this initiative. While we remain in our due dili-gence phase, we are excited to be one step closer to realizing the potential of consoli-dating our administrative operations into one building for increased efficiency and as a way to better use resources for your benefit.

Please remember that your Credit Union is here to help you through the moments and milestones of your life. Keep in mind that as a member, you are an owner. Together, we have built Members 1st into what it is today, and together, we will make your Credit Union even better for generations to come.

Thank you.

George NahodilPresident and CEO

11.00-18.00%

SAVE MONEY

We are an Equal Opportunity Employer.

4 AVENUES

Heading off to college is an exciting but stressful time. Be sure to keep your finances in check with our College Toolkit. The College Toolkit is composed of four services including Members 1st Online, Mobile Banking app, Visa® Debit Card, and multiple Visa Credit Card options. These four components can be used to help students best manage their finances, while still enjoying the college experience.

• Members 1st Online – Access and manage your finances 24/7 with email alerts, account summaries, cross account transfers, loan applications and more!

• Mobile App – Do your banking from your device on-the-go. The app features services such as transaction history, account balances, mobile check deposits, bill pay, balance transfers and more!

• Visa Debit Card – Earn 5 cents* for every qualified transaction processed as “credit.” A checking account is required for our debit card and you can enjoy using surcharge-free ATMs.

• Visa Credit Cards – Use our card to pay for various school expenses and start building your credit.

We also offer Mobile Card Controls to help you monitor your spending and control how, when and where your payment cards are used. You can lock or unlock your Visa debit and credit cards, or deactivate a lost or stolen payment card. Need money quickly? We offer cross account transfers that allow parents to transfer money to their child’s account at any time for unexpected expenses that may pop up along the way.

For more tips on planning for college and information about Members 1st’s student loan program, visit members1st.studentchoice.org or call our 24-hour call center at (800) 369-4980.

College Toolkit:Must-Haves for Every

College Student

*Swipe 5® cash-back rebate is subject to certain conditions. Qualifying transactions are those that do not require the use of a Personal Identification Number or are not an ATM transac-tion. Rebates post to your Members 1st Checking Account on the last day of every month. Ask an associate for details.

SUMMER 2019 5

Education Award Winners Gain Valuable Hands-On ExperienceOur Education Award is given to four undergraduate students who are members and attend an accredited college, university or technical school. The award consists of a paid, 12-week summer work experience at our headquarters and a $2,500 scholarship that is awarded upon successful completion of the program. Meet this year's recipients below.

Shahid Abdulaziz Information Technology Services (ITS) Senior attending Elizabethtown College studying Marketing AnalyticsWhat did you learn from this experience in the ITS department? “I learned a

lot from the ITS department, specifically the Data & Analytics division. This was my first time working with data related to a financial institution, which was a great experience. This program provided an amazing opportunity to learn from skilled technical individuals in my field of study."

Karissa Byers, FinanceSenior attending Shippensburg University studying FinanceWhy did you choose to gain this career experience with Members 1st? “I started off working as a teller in a Members 1st branch and was immediately impressed with the company culture. As time

went on, I learned about other departments and their individual contributions to the overall mission of the organization. I then decided that I wanted to explore the Finance department. I had known for years that I wanted to work in finance, so why not continue working for a company that I already loved?”

Alexis Hammons Human ResourcesSenior attending Shippensburg University studying Business AdministrationWould you recommend this program to other college students — and why? “I would absolutely recommend this program to other college

students. I worked with each area of the Human Resources department and learned something new every day. Everyone was welcoming and willing to help me learn and gain new skills. I networked with all departments and gained extremely valuable skills during my time here.”

Madison Taylor, MarketingSenior attending Penn State University studying Marketing What was your favorite part of this experience? “My favorite part of this program was the variety of experiences in my field of study that I was exposed to. I am particularly interested in digital marketing,

and Members 1st allowed me to explore its various facets and work on meaningful projects with the Digital Marketing team. This experience has allowed me to gain new skills in graphic design, data analytics, content creation and more. I have thoroughly enjoyed every part of my experience at Members 1st.”

Keep an eye out for more details and information regarding the Education Award Program in October 2019!

6 AVENUES

Journey to SuccessQ & A with Sarah Barr

OWNER, KONHAUS PRINT & MARKETING

Several years ago, Sarah Barr could never have dreamed that she would be a successful busi-

ness owner and leader of a group of employees. But in January, she took ownership of a successful 28-year-old business, after being an employee there for eight years. Read below to discover how, in Sarah’s words, Members 1st played a part in her story and success.

How long have you been employed at Konhaus? What was your first role?I started as the Results Specialist (business development) with Konhaus in September 2010.

Tell us your story about the transition to owner. I love what I do. I never dreamed of

becoming an owner. I’ve always genuinely enjoyed my job, the people I work with, and the clients I help on a daily basis. It made sense when the opportunity presented itself to consider this opportunity for my future. Were you apprehensive? What were your biggest fears? Yes! Yes! Yes! I don’t have a formal college education, so I had a lot self-doubt at first. Did I really have in me what it takes to become a business owner? Could I become a good leader for my employees?

What role did/does Members 1st play in your story? Members 1st has supported me from the very second I started thinking about buying the company. I was involved with the banking transition from another financial institution several years ago

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when the business originally switched to Members 1st. I knew I was going to keep my business with them. I went to my local branch and met with the Branch Manager who then connected me with my Relationship Manager. Both have been indispensable in our success, making sure I have the right products based on my needs, and all the right information based on my goals.

Are there specific credit union products and services that you rely on regularly?Remote Deposit Capture has been wonderful and has saved us so much time. We can process our checks right in our office and not even have to worry about running anywhere to complete a deposit.

Have any specific asso-ciates helped you from a relationship/concierge standpoint?Scott Schultz, my Relationship Manager, has been great, along with Jacinda Cooper, Branch Manager. They both are actively

involved in every step of the way, and have helped make the transition into owner-ship a piece of cake in regard to banking matters. I’m so thankful for both of them!

What is your future vision for the company and how will Members 1st play a part in that vision? I couldn’t be happier with my decision to purchase this incredible busi-ness that I believe in so much! Obviously, the goal is to grow. And to add additional products and services that our clients need.

We have a lot of exciting things happening in the future, and although I won’t share all the details right now, I can promise we will continue to inspire ideas to take flight for the small business community. Members 1st will be instrumental in the success of our vision.

What would you tell other business owners about partnering with Members 1st for their financial services? It’s a no brainer to work with Members 1st. They make your life and the entire process easy!

Members 1st has

supported me from the very

second I started thinking

about buying the company.

— Sarah Barr, owner Konhaus Print & Marketing

To learn more about Sarah’s journey and her business, visit members1st.tv.

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Sarah Barr and her team share a laugh before getting back to the business of marketing and printing.

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8 AVENUES

You Speak: We Listen

We asked for applications to participate in member panels, and you responded! Out of over

1,000 applicants, we selected 15 members from across five generations to provide their thoughts and perspectives regarding the expectations of financial products and service delivery.

According to Amanda Shockey-Foster, Marketing Research Analyst, “The purpose of this advisory panel is to connect with members who represent multiple generations. Today’s population is made up of five generations that include Matures/Traditionals, Baby Boomers, Generation X, New Millennials, and Generation Z (Linksters). Each generation has its own uniquely defined character-istics that stem from the historic events they have witnessed or experienced. While

we offer products and services to help all financial needs, how we deliver our messages should be relevant and specific to each generation.”

While many of today’s research panels focus on one generational category such as

millennials, we believe that a multi-faceted, cross-generational mix is a better way to engage with you and use your perspec-tives as a competitive advantage.

“It is truly remark-able how involved our members are and want to be. We appreciate

their feedback. We have amazing members and we are all honored to work for them and their benefit,” said Shockey-Foster.

The panel will meet 2-3 times a year at an off-site location for an hour and a half. The Marketing team will work consistently with the same group throughout the year.

Meet our Five Generations Advisory Panel (from left to right) Back row: Lisa, Camp Hill; Steven, Camp Hill; Glenn, Mechanicsburg; Tom, Mechanicsburg; Curtis, New Cumberland; Richard, Dillsburg; Front row: Nicole, Newville; Hope, Enola; Alicia, New Cumberland; Alana, Harrisburg; Cassandra, Harrisburg Not pictured: Joseph, Enola; Jane, Mechanicsburg; Kyle, Camp Hill; Steven, Enola

It is truly remarkable

how involved our members

are and want to be. We appre-

ciate their feedback. We have

amazing members and we are

all honored to work for them

and their benefit.”— Amanda Shockey-Foster,

Marketing Research Analyst

SUMMER 2019 9

During the meetings, panelists will participate in qualitative research with a moderator guiding the group discussion. Through observation and interviews, we will gain insight into member needs, prefer-ences and learning styles that span five generations.

The advisory panel participants will help us shape the future of Members 1st by helping us think about all of the various ways we can better serve members and build personal relationships as the world around us changes. This provides the opportunity for us to take a step back and identify what opportunities may arise in meeting the needs of today’s consumer. It is important for us, as well as any business, not to make assumptions about what a customer or member wants.

Having in-person conversations with members provides valuable insight. Since we serve five different and distinct generations, there is no room for a one-size-fits-all approach to how we serve members. The panel’s input will help

us create better products, services and delivery channels that you, our members, actually want, not what we think you want.

Want to participate? We are looking for interested members to be considered for participation in our various marketing research panels. Your feedback will help us as we consider new products and services, and will guide us toward enhancing your overall experience when interacting with us. To be considered for future participation, please call us at (800) 283-2328, ext. 5745.

Panel members enjoy a friendly discussion about the part Members 1st plays in their financial lives.

10 AVENUES

How to Work with a Financial Advisor

A flurry of new investment products, the emergence of global investing, the shift from company-funded

pension plans to employee-driven retire-ment plans (like 401(k) plans), and uncer-tainty about Social Security have all contrib-uted to the increased need for qualified financial advice. No matter what your level of investment experience or sophistication, you may benefit from developing a relation-ship with a financial advisor.

What Is a Financial Advisor?A qualified financial advisor is trained to analyze your personal financial situation and prepare a program designed to help you address your financial goals and objectives. It might be helpful to think of your financial advisor as a kind of doctor for your financial health.

Benefits of Working with a Financial AdvisorMost people can benefit from profes-sional guidance when they venture into the complex and confusing world of managing their financial affairs. A financial advisor will be able to assess your risk tolerance, analyze your resources and current asset allocation, take into account your tax liability, and make investment recommen-dations in the form of a written financial plan that will help you to pursue your goals. The plan may help ensure that your current and future assets are used to their best advantage given your current financial situ-ation and your financial goals.

Building a RelationshipMany events may be catalysts to seek financial help, such as planning for retire-ment, establishing a college fund or even changing jobs, but once you have estab-lished a relationship with a financial advisor, you will probably find a number of other ways you can benefit from working with him/her.

At your first meeting, you and your advisor will identify your financial needs and invest-ment goals. Although it sounds simple, this can be harder than you think. Your advisor will be able to ask you the right questions to help you to determine what your goals are, just in case you aren't sure yourself.

To prepare for your first meeting, call your advisor and ask what specific docu-ments and information you should bring. These may include essential documents such as wills, copies of insurance poli-cies, pension information, and investment account statements. In addition, you should be prepared to discuss the following topics: retirement income and savings, college planning, preparations for the unexpected and estate planning.

After you and your financial advisor have established your investment goals and objectives, your advisor will create a plan for you and review this with you. Among the objectives, the plan may include making sure you have sufficient insurance, that you have cash reserves to meet unexpected financial needs, and that specific short- and long-term goals are provided for. The plan

“If you fail to plan, you are planning to fail.” — Benjamin Franklin

SUMMER 2019 11

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The invest-ment products sold through LPL Financial are not insured Members 1st FCU deposits and are not NCUA insured. These products are not obligations of Members 1st FCU and are not endorsed, recommended or guaranteed by Members 1st FCU or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Members 1st Federal Credit Union and Members 1st Investment Services and Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial.

Because of the possibility of human or mechanical error by DST Systems, Inc. or its sources, neither DST Systems, Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall DST Systems, Inc. be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of the content. © 2017 DST Systems, Inc. Reproduction in whole or in part prohibited, except by permission. All rights reserved. Not responsible for any errors or omissions.

may also involve reallocating some or all of your assets into more suitable invest-ments that fit your risk tolerance and your investment goals. In addition, the plan will recommend where to invest future assets (regular savings or lump-sum payments), and how much you will need to save to achieve your financial goals.

After you and your advisor have agreed on a plan of action and implemented it, all you need to do is schedule annual financial reviews to make sure the plan works to your satisfaction and that none of your goals have changed over time. And if you have major changes or events in your life, keep your financial advisor informed of these. Some examples include a change in marital status, the birth of a child, a change in income, or receiving an inheritance.

Taking ChargeTo work successfully with a financial advisor, you need to build a solid relation-ship based on trust and mutual respect. And most important, you need to be involved.

A professional financial advisor will help you identify your investment goals and create a plan that may help achieve them. In the years to come, your advisor can become a trusted friend and confidant. And together, you will have implemented a strategy that seeks to maximize the earning power of your assets so that they are working toward creating a more confi-dent financial future for you.

To find a Wealth Advisor at a branch near you or to schedule your complimentary in-person consultation, call (800) 283-2328, ext. 5592.

Meet our Wealth Advisors

Andy Steele Mechanicsburg and Camp Hill area

Adam UlrichMechanicsburg and Camp Hill area

Craig NissleyCarlisle, Elizabethtown and Mount Joy areas

Kim HouckDillsburg and New Cumberland area

Edward TaylorCarlisle and Gettysburg area

Timothy SheehanLancaster area

Peter BillisYork and Hanover area

Jeff HoweHarrisburg, Halifax and Duncannon area

Mike RussDover, Carlisle and Shippensburg area

Mike RossHarrisburg, Hershey and Lebanon area

Mike FedashRelationship Management and Mechanicsburg area

Members1stInvestments.com

12 AVENUES

Through our Hiring Events, you have the opportunity each month to meet with our Human Resources representatives and Branch Managers to discuss employment opportunities. We are looking for ener-getic and friendly people who want to help members succeed in their financial lives. Ideal candidates for open positions should have strong organizational, communication and interpersonal skills.

Members 1st offers an exceptional culture that is fun, family-friendly and provides opportunities for advancement. Most avail-able positions being offered at our Hiring Events are for member service positions at the branches, but depending on availability, we will also interview for current open professional positions.

Below are just a few associate benefits:• Excellent benefits & incentive program• 10 paid holidays• Earn paid time off• Exceptional retirement plans• Associate & family events• Tuition reimbursement*• Training & career advancement

opportunities *Certain conditions apply.

Upcoming Hiring Events will be held in these regions:• Capital - Harrisburg area• Central - Camp Hill/Mechanicsburg areas• East - Lancaster area• South - York area• West - Carlisle/Gettysburg areas

We want to meet you!ARE YOU INTERESTED IN A NEW CAREER OR LOOKING TO ADVANCE YOUR CURRENT CAREER PATH? LET’S TALK ABOUT IT!

We encourage you to take advantage of our

hiring events — for yourself, family or friends. You can

make a difference in the financial lives of members

while belonging to an inclusive, dynamic and growing

family.” — Ben Saylor, Talent Manager

Visit M1st.Careers for specific Hiring Event dates and to apply online. This will enable you to schedule your on-site interview. Of course, we will always welcome walk-in visitors during these hours.

You may also browse current opportuni-ties and apply directly online. Be sure to check out our new map, notification and job alert features. We will save your profile and resume so that you can easily apply for future positions.

We are an Equal Opportunity Employer.

SUMMER 2019 13

MARKETING IS ALL ABOUT DELIVERING A MEANINGFUL MESSAGE TO MEMBERS THROUGH THEIR PREFERRED DELIVERY CHANNEL. IN TODAY’S DIGITAL WORLD, THAT MEANS THROUGH MOBILE APPS, SOCIAL MEDIA, INTERNET, EMAIL, VIDEO, AND MORE.

We are pleased to announce the forma-tion of our new Digital Marketing Team: a group of Marketing associates who are taking innovative steps toward driving digital content and engagement with you, our current members, as well as potential members.

Karen Roland, Assistant Vice President of Digital Marketing, oversees the devel-opment of digital content focused on our community outreach, member-told stories, financial education and advice, and prod-ucts and services. In addition, the team will help to support public relations and reputation management efforts.

“No one tells the Members 1st story better than real members. We receive countless stories and feedback from members every

day about how we have helped to make their lives better in some way — big or small,” said Roland. “When you consider how much time we all spend on digital devices, it was clear to us that we have to build our content across digital channels to better reach and engage our members and potential members.”

In addition to Roland, team members include Kyle Cooper, Marketing Technology Coordinator and Sarah Scholl, Digital Marketing Coordinator. Both Cooper and Scholl will be working in tandem to develop and produce media for social and digital channels featuring real members, member businesses and community partners.

As technology continues to grow, story-telling is an essential tool for developing relationships in today’s world. We will solicit stories from members and commu-nity partners through a variety of means including personal interactions with members and story referrals.

Members may also submit their stories about their experiences with us using the online submission form available at members1st.org/member-stories.

Digital Marketing: Delivering our Message in Today’s World

Meet our Digital Marketing Team (left to right): Kyle Cooper, Karen Roland and Sarah Scholl

14 AVENUES

Break the Spending Cycle and Start Saving!

Did you know that nearly 40% of Americans would have extreme difficulty covering a $400 emergency

expense?¹

Additionally, about 78% of American workers live paycheck to paycheck.²

Do you feel overwhelmed by a lack of savings discipline? Let us help you achieve financial peace of mind with our Goal Savings accounts. Goal Savings accounts allow you to set savings goals with end dates, as well as determine how much and how frequently you would like to make deposits to the account.

Goal Savings accounts can be used for a variety of different purposes, such as funds for emergencies, vacations, special events, and more!

Features of Goal Savings accounts:• Set up to five Goal Savings accounts,

each with a customizable goal• No minimum opening deposit or

balance• Quick view progress bar• Easy electronic transfer options• Help with budgeting and saving• No early withdrawal fees• No maturity date — you choose when to

spend your savings and reach your goal

Goal Savings accounts work for both your wants and needs — open one today and start saving, tracking, and reaching your goals.

Questions?Call Customer Service at (800) 237-7288 or visit members1st.org/promotions/goal-savings.Source: 1 – bloomberg.com, 2 – careerbuilder.com

Set up to 5 customizable goals

Quick view progress bars

Easy electronic transfer options

5

Federally insured by NCUA.

SUMMER 2019 15

We offer a variety of convenient and easy-to-use services for your computer, smart phone or other web-enabled mobile devices that help you stay connected to your finances at all times.

MEMBERS 1ST ONLINE (HOME BANKING)To sign up for our free home banking service, visit members1st.org. Click Members 1st Online and follow the “enroll now” prompts. Complete a few simple steps and in seconds you’ll have access to all of your account information.

MOBILE APP

“Members 1st FCU” “M1FCU”

Simply search Google Play for “Members 1st FCU” or the App Store for “M1FCU” to download our free app. Or text "Apple" or "Android" to 61328 on your iPhone or Android device to get a link to download our mobile app. You may also visit Myonline.Members1st.org on your mobile device.We do not charge a monthly fee for our mobile device applications. Consult your service provider/service agree-ment for any applicable data plan fees and related charges.

DON’T HAVE TIME TO MAKE IT TO A BRANCH?

NEED HELP WITH OUR DIGITAL SERVICES?If you need assistance using any of our digital services, visit your local branch or call Customer Service at (800) 237-7288. We are happy to help you.

A good FICO score is important for your financial well-being.

Now you can view your past and current FICO scores in order to track your progress.

Simply tap the History button under your FICO score to see a graph that shows your quarterly scores up to a two-year period, as they become available.

Questions? Call us at (800) 237-7288.

Track your FICO score progress!

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Customer Service: (800) 237-7288 or accountinquires@members1st.org

Administrative Headquarters: (800) 283-2328

Loan Payments & Deposits: members1st.org or call (800) 237-7288

Branch & ATM Locator: members1st.org

Surcharge Free ATMs: members1st.orgCON

TACT

US

Members 1st FCU does not promote, endorse, or ensure the accuracy of information found on any website or publications referenced in this publication. This newsletter is intended to be informative in nature and should not be construed as legal or financial advice.

©2019 Members 1st Federal Credit Union.

Federally insured by NCUA.

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

For a listing of seminars, events and bus trips, visit our events calendar at members1st.org

GET CONNECTEDmembers1st.orgmembers1stblog.org

INTERNATIONAL CREDIT UNION DAY IS OCTOBER 17 Celebrate International Credit Union Day with us by picking up your free 2020 Calendar on October 17 in any of our branches. The calendar features local photos by the winners of our annual calendar contest. Be sure to watch members1st.org for a complete listing of the winners!

SHRED DAY, SEPT. 79-11 a.m. Free For All Members!

Mechanicsburg/ Carlisle Area

Rossmoyne Branch5000 Louise Drive,

Mechanicsburg

Lancaster AreaGreenfield Branch

1815 Hempstead Road, Lancaster

Harrisburg/ Hershey Area

Derry Street Branch8100 Derry Street,

Harrisburg

York Area Mt. Rose Branch

2420 Mt. Rose Avenue, York

www.members1st.org/promotions/shred-days

Thank youfor voting us...

Best Credit UnionBest Customer ServiceBest Financial PlannerBest Insurance Agency

Best Mortgage CompanyBest Extra Large Business

Best Place to WorkLearn more at harrisburgmagazine.com

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