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Frequently asked Questions
Q. Who can join Members 1st Credit
Union?
A. Any one who
lives or works in
Q. What do I
need to have with me when opening a new Share Account (savings)?
A. All new
members must open a Share Account with a minimum of $25.00, (must remain in the
account as long as you are a member.)
Must have a VALID
Drivers license or Picture ID. Children need to have a birth certificate and Social Security Card.
Q. I am 62. Do you have a free checking
account?
A. YES If you have your pension or social security direct deposited to your
account, your checking is free, and you can get BASIC checks free of
charge
We also
offer Platinum Checking free of charge as long as a $1000.00 minimum balance is
maintained. (0.50% interest) If the balance goes below $1000.00 at any time
during the month, a fee of $5.00 will be charged.
Q.
Do you offer a
debit card?
A. YES
A
checking account must be opened first, then you may apply
for a MasterCard ATM/Debit Card.
Q. Is my money insured?
A. YES
All
accounts are insured by NCUA (National Credit Union Association) up to $250,000.
Q. Do you
have a credit card?
A. Members 1st
Credit Union has a VISA card.
Payments
may be made in person at the credit union office.
Q. Is there
a minimum balance on you checking accounts?
A. NO
Minimum balance is required on our regular Checking/Share Draft account.
There is
only the $3.00 monthly charge taken on the last business day of each month/
Q. Do you
offer mortgages and Home Equity loans?
A. YES
Our
Mortgage Loan Officer is Maud Cogliano and can be
reached in her office Tuesday, Wednesday or Thursday. 802-257-9119
Q. How long
does it take for deposits to show on my ATM card balance?
A. ATM
balances are updated twice daily Monday thru Friday at 12:30 PM and 5:00 PM