Members 1st Federal Credit Union

Members 1st Federal Credit Union – Ephrata’s Community-Focused Financial Partner

Nestled in the heart of Ephrata, PA, Members 1st Federal Credit Union combines hometown warmth with the breadth of services you’d expect from a full-service financial institution. As a member-owned credit union, Members 1st is driven by a simple mission: put people first. Whether you’re opening a savings account, applying for a mortgage, or managing investments online, you’ll find an emphasis on personal attention, competitive rates, and community values.

Comprehensive Financial Services

Members 1st FCU offers a wide spectrum of products to help you reach every financial goal.
• Credit Union Accounts – Checking, savings, and specialty share certificates built around member needs.
• Loan Agency & Mortgage Broker Services – From auto, personal, and student loans to first-time homebuyer and refinance mortgages.
• Investment Services & Insurance Broker Solutions – Financial planning, retirement accounts, and protection policies designed to grow and safeguard your wealth.
• ATM Access – Multiple surcharge-free ATMs and a convenient drive-thru lane for quick deposits and withdrawals.

Personalized In-Branch Experience

One of Members 1st’s greatest strengths is its friendly, knowledgeable branch staff. From the moment you walk through the door, you’re greeted with a smile and a willingness to help. Tellers are consistently praised for being quick, attentive, and thorough—traits that turn routine transactions into positive experiences. Highlights include:
• Supervisor Brianna – Members routinely single her out for going the extra mile, answering complex questions, and resolving issues swiftly.
• Quick and Attentive Tellers – Efficient service means minimal wait times, even during peak hours, so you can get in, get out, and get on with your day.

Digital Convenience with a Human Touch

In an increasingly digital world, Members 1st strikes a balance between cutting-edge technology and personal service.
• Mobile App – Highly rated by members for its intuitive design, real-time alerts, and easy bill pay. It’s the “great bank and app” that lets you manage your money on the go.
• Online Banking & Website Enhancements – While some members have experienced limited functionality or occasional downtime, the credit union is actively investing in more reliable features, improved account alerts, and clearer navigation.
• Remote Support – Corporate and live-chat teams are expanding training and protocols to deliver the same warm, solution-oriented approach that members enjoy in-branch.

Family-Friendly Programs

Building lifelong savers is at the core of Members 1st’s community commitment. Their hallmark Kids Savings Program turns the chore of saving into an interactive experience that kids love and parents appreciate. Little ones drop their coins into a transparent counting device, watch the total rise, and learn the value of delayed gratification. Plus, the credit union offers free coin-counting services for all members—no machines or fees, just a fun, educational experience that reinforces healthy money habits.

Streamlined ATM & Drive-Thru Access

Members 1st understands the need for fast, 24/7 cash services. Their network of ATMs, including drive-thru lanes, provides surcharge-free access across Ephrata and neighboring communities. While a few members have reported occasional hiccups—such as cash deposits being returned—staff work diligently to review each incident and enhance machine reliability. Regular maintenance, security upgrades, and expanded support hours aim to make every visit smooth and stress-free.

Commitment to Transparency & Member Advocacy

Trust is the cornerstone of any financial relationship. Members 1st Federal Credit Union hears member feedback on fee practices—especially concerns about inactivity, overdraft, and hold-related charges—and is rolling out clearer disclosures, proactive alerts, and personalized outreach to prevent surprises. Whether it’s refining dormant account policies or shortening check-hold periods, the credit union is dedicated to safeguarding your bottom line and upholding the cooperative spirit that unites all members.

Why Choose Members 1st Federal Credit Union?

Choosing a financial partner is about more than just rates or products—it’s about the people who stand behind the services. At Members 1st FCU in Ephrata, you’ll find:
• A member-owned structure that aligns with your interests, not shareholders’.
• A broad suite of loans, insurance, and investment offerings under one roof.
• An award-winning Kids Savings Program and free change-counting services that turn learning into fun.
• Friendly in-branch teams, led by standout professionals like Supervisor Brianna, who deliver quick, accurate solutions.
• A top-rated mobile app and ongoing enhancements to online banking, ensuring you’re always in control.
• Transparent fee policies and active improvements based on real member feedback.

Whether you’re saving for the future, securing a loan, or simply need dependable ATM access, Members 1st Federal Credit Union in Ephrata, PA, is ready to welcome you. Experience financial services designed around you—because at Members 1st, you really do come first.