Members 1st Credit Union Reading PA | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Members 1st, your trusted financial partner located at 4363 Perkiomen Ave, Reading, PA 19606. Established in 1950, we have proudly served our community for over seven decades, helping our members achieve their financial dreams. With a total membership of 596,510 and assets amounting to an impressive $8,039,711,199, our commitment to providing exceptional service and support is stronger than ever. At Members 1st, we understand that banking is about more than just numbers; it's about people. That's why we prioritize building lasting relationships with our members while offering tailored services like personal banking, auto loans, mortgage options, and business solutions. With a strong net worth of $986,315,309 and total deposits reaching $407,063,180, you can trust that your finances are secure with us. While you can visit us at our Reading branch for all your banking needs, please note that official correspondence should be directed to the same address. Our dedicated team of 1,241 employees, led by CEO Michael Wilson and Board President Jon Kirssin, is here to assist you during our convenient lobby hours from Monday to Saturday. Whether you're looking for straightforward savings accounts or complex loan options, Members 1st is equipped to help you navigate your financial journey. Don't hesitate call us today at 484-388-5536 or explore our website at members1st.org for more information on how we can help you thrive financially. Your future starts here!

Branch History & Mission

Community Commitment

At Members 1st, we understand that our success is intertwined with the well-being of the community. That's why we're actively involved in various outreach programs and partnerships that aim to uplift those around us. From sponsoring local events to offering financial literacy workshops, we are dedicated to making a positive impact. We also prioritize accessibility and convenience for our members. With ATM availability and drive-thru banking options at our Reading branch, managing your finances is easier than ever. If you need assistance or have questions, don't hesitate to call us at 484-388-5536 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM.

Join Us

As we continue this journey together, we invite you to become part of the Members 1st family. Experience firsthand the benefits of membership from competitive rates on loans and savings accounts to personalized customer service that puts you first. While you can visit us at 4363 Perkiomen Ave for all your banking needs, official correspondence should be sent to our mailing address: 4363 Perkiomen Avenue, Reading, PA 19606. Join us today and discover how Members 1st can help you achieve your financial dreams!

Our Journey

Members 1st has always been more than just a financial institution. We were founded on the principle of helping individuals and families achieve their financial goals. Over the decades, we've expanded our services to include personal banking, auto loans, mortgage financing, and business banking solutions. Today, with total assets exceeding $8 billion, we are proud to offer a range of products designed to meet the diverse needs of our members. Our mission is straightforward yet powerful: to provide exceptional financial services while supporting our community. We believe in empowering our members through education and access to resources that enable them to make informed decisions about their finances. Whether it's through online banking or personalized service at our branch, we strive to create a welcoming environment where everyone feels valued.

Branch Location & Accessibility

Welcome to Members 1st, your friendly neighborhood credit union located at 4363 Perkiomen Ave in Reading, PA. We understand that convenience is key when it comes to banking, and our Exeter Branch is here to make your financial journey as smooth as possible. Nestled in the heart of Berks County, we're just a stone's throw away from popular local spots, making us easily accessible for all your banking needs. While members can visit us at our branch address, official correspondence should be sent to 4363 Perkiomen Avenue, Reading, PA 19606. Our location is designed with you in mind. We offer ample parking space and ADA-compliant features so everyone can access our services comfortably. Plus, if you're on the go, we have drive-thru banking available for quick deposits and withdrawals without ever leaving your car! Our lobby hours cater to your busy schedule: we're open Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM. On Sundays, we take a break to recharge. Whether you're stopping by for personal banking services like checking and savings accounts or exploring options for auto loans and mortgages, our team is ready to assist you. For added convenience, we also provide ATM services right at our branch so you can access cash anytime you need it. If you have any questions or need assistance, don't hesitate to call us at 484-388-5536. We look forward to welcoming you into our community!

Member Eligibility

At Members 1st, we believe that becoming a member means joining a warm and welcoming community that truly cares about your financial well-being. If you're looking to take advantage of our supportive services, you'll be pleased to know that eligibility is simple and inclusive. We welcome individuals who live, work, or worship in the areas we serve, as well as family members of current members. This means you can easily become part of our family here at Members 1st located at 4363 Perkiomen Ave Reading Pa 19606. Joining us opens up a world of benefits, including competitive rates on loans, personalized service, and access to a variety of financial products tailored just for you. To learn more about the specific eligibility criteria or to check if you qualify, feel free to visit our website at http://www.members1st.org/business/business-membership . If you're ready to start your journey with us or have any questions, don't hesitate to give us a call at (484) 388-5536. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine having the tools to manage payments seamlessly. Our merchant services offer real-world benefits that allow you to accept payments easily, whether in-store or online. This means you can focus more on what matters growing your business while we handle the transactions. Located at 4363 Perkiomen Ave Reading Pa 19606 in Reading, PA, we're here to help your business thrive. Contact us today at (484) 388-5536 to learn how we can support your financial goals!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners in Reading, we understand how crucial it is to have reliable financial support. Our business banking services include merchant services that streamline payment processing and help improve cash flow. Plus, we offer various types of business loans designed to fund your projects or expand operations.

Convenient Access & Support

We know life can be hectic; that's why we've made banking with us as convenient as possible. Our branch features a drive-thru for quick deposits, withdrawals, and simple transactions ideal for those on the go. With an ATM available for cash withdrawals and balance checks, accessing your money has never been easier. If you have questions or need assistance, don't hesitate to reach out! Call us at 484-388-5536, and our friendly staff will be happy to help.

Join Us Today!

At Members 1st, we pride ourselves on being more than just a credit union we're a community partner committed to helping you achieve your financial goals. Visit us today at our Exeter Branch or explore more about what we offer by visiting our website. Let's take the next step together toward a brighter financial future!

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, our personal banking options are tailored just for you. Imagine having easy access to your funds with the convenience of online and mobile banking. You can check your balance, transfer money, and even pay bills right from your smartphone. We also offer auto loans and vehicle financing so you can drive away in the car of your dreams without breaking the bank. If homeownership is your goal, our mortgage loans and refinancing options provide flexible solutions that fit your budget. Additionally, if you're managing debt, consider our personal loans and debt consolidation services, which can help simplify your payments and reduce interest costs. Don't forget about our credit cards with rewards a great way to earn benefits while making everyday purchases!

The Digital Edge

In today's fast-paced world, staying connected is essential. That's why we offer robust online and mobile banking features. Whether you're at home or on the move, you can manage your accounts effortlessly through our secure platforms.

Digital & Online Banking

Key Features

One standout feature is our ability to facilitate person-to-person transfers. Need to split a dinner bill with friends? You can easily send money directly from your account with just a few taps. If you're looking for efficient ways to manage your statements, we offer e-statements that are both secure and environmentally friendly. This means you can access your financial records without the clutter of paper. We also prioritize security with features like electronic signature authorization making transactions safe and straightforward without the need for physical signatures. Our mobile payments feature lets you make purchases quickly and securely using just your phone, allowing for a hassle-free shopping experience. At Members 1st, we are committed to ensuring that your banking needs are met efficiently and securely. With easy access to all these features, you'll find that managing your finances is not only simpler but also tailored to fit into your busy lifestyle. Explore all that we have to offer today!

Financial Strength

At Members 1st, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. 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. 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. With $967,220,309 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $123,054 in used auto loans and an impressive total of $6,560,311,992 in loans and leases. Our operational efficiency is reflected in our net income of $0, which enables 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. Net Shares (Funds available for lending and investments): $23,731,259. Total Share and Deposit Accounts: 1,189,787, showing a strong and growing member base that trusts us with their finances. 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 4363 Perkiomen Ave Reading PA 19606 or call 484-388-5536 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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. Whether you're interested in financing a brand-new model or opting for a dependable pre-owned vehicle, we have flexible options to suit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $888,146,957 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or need working capital for daily operations, we have solutions tailored specifically for small businesses. At Members 1st located at 4363 Perkiomen Ave Reading Pa 19606, we prioritize your financial well-being. For more information about our loan offerings or to discuss which option may be right for you, don't hesitate to reach out at 484-388-5536. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,074,888,618, making buying or refinancing simple. We are here to guide you through the process and help you find a mortgage that fits your needs. If you're considering refinancing your existing mortgage, our team can assist you with eligibility options tailored to your situation.

Unsecured Credit Card Loans

Managing finances can be tricky at times. 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. Our credit cards come with rewards and benefits designed to give you more value while making everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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MEMBERS 1ST FEDERAL CREDIT UNION - Reading, PA