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On this page: Share Checking Accounts  Personal CheckingAt Members First we offer a checking account designed to meet your needs. With our Share Checking Account you will receive excellent service, convenience and peace of mind. Our Share Checking Account offers great services such as:
Some additional benefits of this account are:
This account also comes with the Overdraft Privilege Service. Instead of automatically returning non-sufficient fund items, the credit union will consider paying overdrafts of up to $700 on accounts in good standing. Standard non-sufficient funds and overdraft charges apply to each item. For more information or a Share Checking account application, e-mail your request to mail@members1stcu.org. Convenient Access Cards With Members First Credit Union, we offer the most widely accepted access cards you can find. Using your ATM and debit card will be a snap at locations everywhere! Members First ATM Card Members who have a Share Savings account may request an ATM card. This card gives you 24-hour access to your Share Savings account anywhere you see a PULSE®, Fastbank Free®, PLUS System® or Alliance One® symbol. Both Fastbank Free and Alliance One Network ATMs allow you to have surcharge-free access to your credit union accounts. You can make deposits, withdraw cash, or make account inquiries at thousands of ATM machines nationwide. There is a small fee for cash withdrawals. SNAP Debit Card Members who have a checking account may request our convenient SNAP card. This card gives you 24-hour access to both your Share Checking and Regular Share Savings accounts. You may use the SNAP card at any ATM displaying either a PULSE®, Fastbank Free®, PLUS System® or Alliance One® symbol. ATM deposits, account transfers and balance inquiries can be made at no charge. A small fee will be charged for each ATM cash withdrawal. Best of all, the SNAP card enables you to make purchases from your checking account, without writing a check, anywhere that MasterCard® is accepted. These purchases can be made without any additional fees. For more information or to request an ATM or debit card application, please send an e-mail to mail@members1stcu.org. To Report A Lost Or Stolen Debit Card: Contact the credit union immediately at 614-462-6850, or 1-800-743-2327, and ask for the Member Relations department. After hours, contact 1-800-264-5578. Share Savings Accounts  This account establishes your membership with the credit union and features tiered dividend rates. A new account may be opened with just $5.00. If you need to save for future expenses, the Members First Credit Union Share Savings account might be just the type of account you need to plan for your immediate financial future. And if a vacation is in your not-so-distant future, we even offer special accounts to help you set aside funds to finance your vacation. For additional information, please call us or e-mail your request to mail@members1stcu.org. Share Certificates If you're considering a slightly longer-term investment than a typical savings account, Share Certificates could be the right choice for you. Open a Share Certificate and you will enjoy a competitive fixed rate for the duration of the certificate term. Share Certificates are available in terms of 3, 6, 12, 18, 24, 36, 48 or 60 months and require a $1,000.00 minimum deposit. For current rate information click here. For additional information, please call us or e-mail your request to mail@members1stcu.org. Individual Retirement Accounts At Members First Credit Union, we offer four different Individual Retirement Accounts (IRA) that allow you to plan for the future while earning competitive monthly dividends. Regular IRA The traditional IRA account is available to individuals under the age of 70 1/2. The maximum yearly contribution is $4,000.00 per person per year, regardless of income level. For persons earning less than $4,000.00 per year, the maximum contribution cannot exceed your earned income level. Contributions may be tax deductible under certain circumstances (contact your tax advisor for further information). All withdrawals are considered taxable income, and distribution must begin by age 70 1/2. Regular Roth IRA Roth IRA Contributions are not tax deductible because they are made with after tax dollars. Contributions may be withdrawn at anytime, and earnings (dividends) on the account may be withdrawn after the account has been opened for 5 years and a qualified needs test is met. The maximum contribution is $4,000.00 per person per year, less any Regular IRA contributions. Rollovers or direct transfers cannot be made into the account, only contributions. There is no age limit on when the distributions must begin. If you're over 50, you can make an additional $500 yearly contribution to Regular IRA and Regular Roth IRA accounts. Converted Roth IRA This is a rollover IRA account, and cannot accept additional contributions. A rollover can be from a Regular IRA account as long as the adjusted gross income level is less than $100,000.00; however, the amount becomes taxable income for that year. Educational IRA This is a beneficiary account IRA. The account can only be established for a minor child (under the age of 18). As the name implies, this account is used for post-secondary level educational expenses, and distributions must begin by age 30. The maximum contribution per year is $2,000.00, and contributions can be withdrawn at anytime. Contributions to this account are not tax deductible, and each beneficiary is limited to one account. For additional information, please call us or e-mail your request to mail@members1stcu.org. Money Market Accounts  Our new Money Market Account gives you easy access to your money plus a high rate of return as interest rates move with current market conditions. Unlike other investment options, money market accounts provide quick access to your money and you can write checks from the account. Members First offers three different account levels to fit your individual needs. The more you save, the more you earn. Account levels:
For additional information, please call us or e-mail your request to mail@members1stcu.org. |
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Routing Number: 244077022
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24-Hour Automated Telephone Teller 614-464-9812 800-950-3886 |
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