Members 1st Credit Union Ephrata PA | Best Auto Loans & Personal Banking

Introduction

Welcome to Members 1st, your trusted financial partner located at 836 E Main St, Ephrata, PA 17522. Since our establishment in 1950, we have dedicated ourselves to serving our community and meeting the diverse financial needs of our members. With a robust membership of 596,510 individuals, we pride ourselves on providing personalized service that fosters trust and reliability. At Members 1st, we understand that financial stability is crucial for our members' success. With total assets exceeding $8 billion and total deposits amounting to $407,063,180, we are well-equipped to offer a variety of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Our commitment is reflected not just in numbers but in the relationships we build within the community. Under the leadership of CEO Michael Wilson and Board President Jon Kirssin, our team of 1,241 employees works tirelessly to ensure that you receive quality service tailored to your unique circumstances. Whether you're looking for assistance with loans where we currently manage 331,621 loans or seeking guidance on saving strategies, we're here for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 836 E Main St, Ephrata, PA 17522-2562. We invite you to explore how Members 1st can help you achieve your financial goals. Feel free to give us a call at 800-237-7288 or visit our website at members1st.org for more information about our services. Together, let's build a brighter financial future!

Branch History & Mission

Commitment to Community

At Members 1st, community means everything to us. We are dedicated to building strong relationships within Ephrata and beyond. Our outreach programs aim to educate residents about financial literacy while also supporting local initiatives that enhance the quality of life for everyone in our area. We believe that when one member succeeds, we all succeed. While members can visit us at 836 E Main St for all their banking needs, official correspondence should be sent to our mailing address at 836 E Main St, Ephrata, PA 17522-2562. Our branch operates with convenient hours Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 2 PM making it easy for you to reach us.

Looking Ahead

As technology evolves, so do we. Members can enjoy modern conveniences such as online banking and mobile payments while benefiting from personal service at our drive-thru or ATM facilities available on-site. These advancements ensure that our members have quick access to their finances whenever they need it. Join us at Members 1st and experience the difference a community-focused credit union can make in your life. Whether you're looking for a new checking account or considering a loan for your next vehicle purchase, we're here for you every step of the way. Together, let's build a brighter future! For more information or assistance, feel free to reach out at 800-237-7288 or visit us online at members1st.org.

Our Evolution

Since opening our doors, Members 1st has seen significant growth in both assets and services. Today, we are proud to manage total assets of approximately $8,039,711,199. This remarkable achievement reflects our commitment to providing quality financial services while supporting our local community. We've expanded our offerings beyond traditional banking; our services now include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our mission statement is simple yet powerful: we strive to empower our members through accessible financial services and unwavering community support. Every day, we focus on improving the lives of those we serve by offering personalized assistance and innovative solutions tailored to their needs.

Branch Location & Accessibility

Convenient Access and Features

Our branch is designed with accessibility in mind. We offer ample parking spaces right outside our doors and are fully ADA compliant, ensuring that everyone can visit us with ease. Whether you prefer to walk in for assistance or use our drive-thru service for quick transactions, we have options to suit your preferences.

Get in Touch

Have questions? Don't hesitate to reach out! You can call us at 800-237-7288 for any inquiries. We invite you to come visit us at the Ephrata Branch; we look forward to helping you achieve your financial goals!

Operating Hours

At Members 1st, we understand that life can get busy. That's why our doors are open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. We're closed on Sundays so our team can recharge. Feel free to drop by during these hours to speak with one of our friendly staff members.

Services Offered

Whether you need help with personal banking services like checking and savings accounts or you're looking into auto loans and mortgage options, we've got you covered. Our ATM services are available for your convenience, allowing you to withdraw cash or check your balance without stepping inside. Plus, if you prefer banking from home, we offer online and mobile banking options.

Member Eligibility

At Members 1st, we believe that everyone deserves a supportive community where they can grow financially. Becoming a member is simple and welcoming! If you live, work, or worship in the areas served by our credit union, you're likely eligible to join us. We embrace individuals from various backgrounds and experiences, so whether you're just starting your financial journey or looking for more resources to achieve your goals, we've got you covered. Our members enjoy fantastic benefits such as competitive rates on loans, personalized service, and access to a variety of banking products tailored to your needs. To learn more about the specific eligibility criteria and how you can become part of our thriving community, feel free to visit our detailed resource at http://www.members1st.org/business/business-membership . If you have any questions or need assistance during the application process, don't hesitate to reach out at (800) 237-7288. We're here to help you every step of the way! Join us at Members 1st located at 836 E Main St Ephrata Pa 17522, and start experiencing the advantages of membership today!

Business Banking & Commercial Services

Loan Options Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,634 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $30 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $888,146,957, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, we offer merchant services designed to make transactions easier. Picture your customers paying quickly with credit or debit cards while you effortlessly manage sales and inventory. Our solutions can simplify your daily operations, allowing you to focus on what matters most growing your business. Located at 836 E Main St Ephrata Pa 17522 in Ephrata, PA, we are here to support you every step of the way. Reach out today at (800) 237-7288 to explore how we can help your business flourish!

Comprehensive List Of Services

Business Banking Services

At Members 1st, we recognize that small businesses are the backbone of our community. That's why we provide comprehensive business banking services, including merchant services that simplify transactions and enhance cash flow. Need funding? Our business loans can help you invest in growth opportunities and ensure your business thrives.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts from anywhere. You can check balances, transfer funds, and even pay bills all from the palm of your hand. Plus, with our ATM & cash withdrawal services available at various locations, accessing your money has never been easier. For those times when you prefer face-to-face interactions, our branch features a drive-thru service for quick transactions such as deposits and withdrawals without leaving your vehicle.

Join Us Today!

If you're ready to experience all that Members 1st has to offer, give us a call at 800-237-7288 or visit us at our Ephrata location. Our friendly staff is here to assist you with any questions about our services or how we can help meet your financial needs. We look forward to welcoming you as part of the Members 1st family!

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed for your everyday banking needs. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options make it easy to drive away in your dream car without breaking the bank. For those looking to settle into their own home or refinance an existing mortgage, our mortgage loans and refinancing services provide competitive rates and personalized support. Additionally, if you're dealing with unexpected expenses or want to consolidate debt, our personal loans and debt consolidation solutions are here to assist you in regaining control over your finances. And let's not forget about rewards! Our credit cards with rewards allow you to earn points on your everyday purchases, making banking not only functional but rewarding.

Digital & Online Banking

Accessibility and Convenience

With features like mobile payments and real-time account management, staying on top of your finances has never been simpler. Imagine paying for groceries or splitting the bill with friends using just your smartphone! Our goal is to provide easy access to your funds while ensuring that every transaction is safe and sound. In a world where time is precious, Members 1st aims to enhance your banking experience by offering tools that fit into your lifestyle seamlessly. Whether you're at home or on the go, our digital banking services are here to empower you in managing your money effectively. Explore more about what we offer at https://www.members1st.org/ and take control of your financial future today!

Key Features

Our online banking platform is user-friendly, allowing you to navigate with ease. One of the highlights is our mobile application, which puts banking right in your pocket. You can pay bills, check transactions, and even make person-to-person transfers without any hassle. Plus, if you prefer to go paperless, we offer e-statements that keep your financial information organized and secure. Security is always a priority at Members 1st. While we do not currently support electronic signature authorization for transactions, rest assured that all your data is protected through advanced encryption methods. Your peace of mind is crucial as you manage your money online.

Financial Strength

Committed to Growth

With $967,220,309 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $123,054 in used auto loans and a total of $6,560,311,992 in loans and leases available.

Growing Member Base

We serve a strong community with a total of 1,189,787 share accounts, showing a growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $23,731,259, underscoring our commitment to helping you achieve your financial objectives. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members 1st is your trusted partner. Visit us at 836 E Main St Ephrata Pa 17522 or call 800-237-7288 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,184 full-time employees and 57 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Secure Savings Options

Members' savings are secured through $2,590,825,310 in share certificates and $1,089,791,668 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,022,926, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Foundation

With a net worth of $986,315,309, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.62% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,135,615,404 in used vehicle loans and $643,672,628 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make financing your next vehicle straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $888,146,957 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to help facilitate your growth journey. If you are considering refinancing or are unsure about eligibility options for any of these products, don't hesitate to reach out. Our team is ready to provide personalized assistance based on your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore our loan offerings today and see how Members 1st can help you achieve your financial dreams!

Credit Lines

For those looking for additional flexibility in managing their cash flow or unexpected expenses, our total credit lines amounting to $2,982,497,513 ensure you have access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,074,888,618, make buying or refinancing simple. We offer various mortgage products designed to fit different budgets and lifestyles. Our knowledgeable staff can assist you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $307,751,386 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards programs designed to benefit our members while providing convenience for everyday purchases.

Loan Aggregator

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Ensuring Accurate Comparisons

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MEMBERS 1ST FEDERAL CREDIT UNION