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We make it convenient to apply! Apply at www.m1st.org Apply in person Apply over the phone
Contact a Mortgage Specialist today!
JULY - SEPTEMBER 2017
All loans subject to usual credit standards. Members First is an Equal Housing Lender.
STMEMBERS FIRST
CREDIT UNION
We now offer 30 year Conventional Mortgages!
Home Loans
What We O�er: • Home Purchase Loans • Home Re�nance Loans • Home Equity Loans
Everyone dreams of owning their own home and as your credit union, we are here to make those dreams a reality.
Why choose Members First for your next home loan? Because we're local, we treat our members like family, and we have great rates! Whether you're a �rst-time home buyer, upgrading or downsizing, we have a variety of home loans with competitive rates and a stress free application process.
Visit www.m1st.org and click on Financial Calculators under the resource tab for the tools to help you �nd the payment that's right for you!
Visa Check Cards
REFER A LOAN RECEIVE $25 EACH!
Refer a non-member to apply for a Home or Auto Loan at M1st, and you both could ear� $25! See below for
the details & requirements.
REFER A LOANREFER A LOAN REQUIREMENTSLoan Applicant Name:_________________________ App #:____________ Loan Type: Auto Home (Circle One)Loan Fund Date:_____________________________Expiration Date:______________________________Referring Member Name:_______________________Referring Member Acct #:______________________ -Below for office use only-
Teller Number:_______________________________Date Promo Paid:_____________________________
To receive $25 each for the Refer a Loan promotion, the current member must refer a non-member to apply for a Home or Auto Loan at members First. The new applicant loan must be funded. If the new applicant is declined or withdraws, no incentive will be paid.
The Refer a Loan coupon must be turned in within 45 days of the loan fund date or this offer will become void and no longer available. All loans subject to usual credit standards. We are an Equal Housing Lender.
This promotion is subject to change or discontinue any time without notice and may not be combined with any other offer.
www.m1st.orgEQUAL HOUSINGLENDER
Do you have a Checking account but no Visa Check Card? Why not make your life more convenient? Check Cards are safer than carrying cash and they save you money by not paying for checks. Contact a Financial Service Rep @ 361-991-6178 opt. 2 to order your Visa Check Card today!
Pin based check card transactions incur a $0.25 fee per transaction. If check card is used as a credit (signature based transaction) it is free.
FRAUD PREVENTION SERVICEIn our continuing e�orts to keep your accounts secure, we’ve improved our alert system for potential fraud. Here’s how it works:
1. When potential fraud is detected, you will receive an automatic e-mail noti�cation, with the option to reply with “fraud” or “no fraud”.
2. One minute after the e-mail, you will receive a text alert, which also has the “Fraud” or “no fraud” option.
3. If there is no response received, you will then receive automatic phone calls to con�rm or deny fraud.
Remember - Our messages will never ask you for your PIN number, account number, or a full Social Security Number!
Please add our fraud center phone number to your phone contacts and label it “Fraud Center,” it will display on your phone whenever you receive a text or call from Members First. 1-800-417-4592
Dormant Account NoticesIt is the policy of Members First Credit Union to review and update our account records periodically. When an account has no activity for three years, and contact has not been made with the member within the past year, it is considered to be a dormant account. Under Texas state law, if there is money in a dormant account, we are required to deliver these funds to the Texas Comptroller of Public Accounts, on or before July 1, 2017 if the funds are not claimed. If you have failed to make contact with Members First about your dormant account(s) before July 1, 2017, they have been closed and turned over to the state of Texas. If you have any
questions please call us at 361-991-6178 for further details.
Credit Union documents available for review are our most recent statement of �nancial condition, annual audit summary, IRS form 990, and credit union bylaws.
Members First will be closed the following holidays:
Independence Day Tuesday, July 4
Labor Day Monday, September 4
Please visit us Online at www.m1st.org to see our current vehicles for sale. Our website has all the details you need such as the make, model, year, mileage and price. There are pictures of the vehicles as well. If you like it, you can now apply with our simple Online application! If you need more informa-tion about our vehicles for sale that’s not listed on the website, call Chris at 361-986-6912.
Lobby Hours: Monday - Friday 9 AM - 5 PMSaturday 9 AM - 1 PM
Drive Thru Hours:Monday - Friday 7:30 AM - 6 PMSaturday 9 AM - 1 PM
Toll Free Phone: 1-800-242-3037
BOARD OF DIRECTORS
MANAGEMENT TEAM
HOLIDAY SCHEDULE
VEHICLES FOR SALE
OFFICE LOCATIONS
OFFICE HOURS
Greg Fair - CEOWanda Muessel - COO
Rachael Storr - Marketing DirectorAdriana Crisp - HR/Office
Debbie Garza - Mortgage Loans Eric Flores - Consumer Loans
Chris Vega - Collections Paul Besse - Accounting
Sherry Hernandez - Financial ServicesBelinda Reeves - Member Services
Brenda Collins - Harlingen Blake Kemmis - IT
Main Branch 5444 S Staples St.
Corpus Christi, TX. 78411Ph: 361-991-6178Fax: 361-993-1704
SPID Branch 1430 SPID
Corpus Christi, TX. 78416Ph: 361-991-6178Fax: 361-882-4060
Violet Branch 11166 Up River Rd.
Corpus Christi, TX. 78410Ph: 361-991-6178Fax: [email protected]
Harlingen Branch 722 S Loop 499
Harlingen, TX. 78550Ph: 956-428-8711Fax: 956-428-3520
LOAN TYPE APRNew/Used Vehicles 2.75% - 17.95%Other Secured 4.55% - 13.05%Personal 8.90% - 17.90% Credit Cards 9.90% - 17.90%Unimproved Property 5.95% - 8.95%First Mortgage 3.55% - 12.35%Home Equity 3.75% - 10.55%Share Secured 3.25% - 4.25%CD Secured CD Rate + 2.00%
LOAN RATES
Rate determined by Credit rating, amount financed, and term of the loan. Rates are as of June 30, 2017 but subject to change without notice. Rates discounts are available. All
loans subject to usual credit standards.
Share Accounts APYShare Savings 0.25%Kids Klub 0.25%Money Market 0.401 - 0.501% CD’S Set DailyIRA Savings 1.005%
DEPOSIT RATES
Rates for Share Savings and Kids Klub are set at the end of each quarter for the previous quarter. The rates stated are for the quarter ending June 30, 2017. All other rates are subject to change at any time. Contact Financial Services at 361-991-6178 for most up-to-date rates and for information about fees and other conditions
which could change the dividends/interest on these accounts.
Manuel Esquivel lll - ChairmanYolanda Lozano - Vice Chairman
Samuel Shores - Treasurer Hector Garcia - DirectorLarry Dreyer - Director
Mark Kulwicki - DirectorRoman Almaguer - Director