Tag Archives: Members 1st Federal Credit Union

Step-by-Step Guide to Navigating the Mortgage Application Process in Dauphin County

When taking out a mortgage, first-time borrowers need to familiarize themselves with the required documents and how to secure the best rate. Knowing where to begin can make the mortgage application process in Dauphin County easier to follow.

Find a Suitable Lender

Search for mortgage lenders that operate in the county. They tend to cater to specific types of borrowers, such as high-net-worth individuals, low-income earners, military veterans, medical practitioners and freelancers.

Finding a trustworthy lender that fits your needs is easier when your goals are clear and realistic. Identify the kind of house you can afford based on your credentials.

Get Prequalified

Go through general prequalification to receive a ballpark estimate of the loan amount you can borrow, based on self-reported data you share with a lender. While this figure does not guarantee approval, it can narrow down your housing options.

Start House Hunting

Review all active listings based on the amount you prequalify for. Consider hiring a real estate agent to represent you and handle all essential paperwork. This professional can communicate your offers to prospective sellers and explain the potential risks of any counteroffer you receive.

Apply for a Mortgage With Members 1st Federal Credit Union

Reach out to Members 1st to apply for a mortgage in Dauphin County. It accepts online mortgage applications to make the process seamless and convenient. The federal credit union provides seminars to teach interested borrowers about all things home loans.

Alternatively, you can speak with one of the credit union’s experts to select from its products, including first-time homebuyer programs, conventional fixed- and adjustable-rate loans and mortgages backed by the Federal Housing Association or the Department of Veterans Affairs.

Review the Loan Estimate

Check the details of the Loan Estimate, which the lender must provide within three business days from the date you submitted your name, income, Social Security number, the address of the house you want to buy, its estimated value and the amount you wish to borrow. This three-page document is your lender’s summary of potential loan terms and costs.

Express Desire to Move Forward

Decide whether you want to accept the Loan Estimate within 10 business days of the lender’s delivery or mailing it to you. Otherwise, the mortgage lender may revise the offer or close your application.

Wait for Approval

Submit any documents that the lender needs to verify all of the information you provided, and assess your risk level as a borrower. It can take up to 120 days to close on a house from the date the purchase agreement is signed.

Frequently Asked Questions

Here are answers to common questions about mortgage rates.

What are the current mortgage rates in Dauphin County?

According to Freddie Mac’s Primary Mortgage Market Survey®, the average mortgage rate for 30-year and 15-year fixed-rate loans by May 14, 2026, had been 6.36% and 5.71%, respectively. Lenders in Dauphin County may offer higher or lower rates, depending on prevailing market conditions.

Will interest rates drop to 3% again?

Mortgage rates are unlikely to drop to 3% in 2026 and in the foreseeable future. They were record lows during the pandemic to prevent economic collapse. It would take an event that paints a similarly bleak economic outlook for the Federal Reserve to cut the federal funds rate that much again.

Can you negotiate a mortgage rate?

Mortgage rates and other fees are negotiable, and lenders often have room to lower the overall cost of borrowing to earn your business. Excellent financial health and competition from other lenders are effective bargaining chips.

Take out a Home Loan That Suits Your Needs

The mortgage application process is more accessible once you understand the requirements and steps. Remember these steps to stay on track from the beginning and finance your dream home in Dauphin County.

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What Are the Top-Rated Credit Unions? 4 Options in PA

When choosing a credit union in Central Pennsylvania, you want fair fees, solid digital banking and responsive customer service.

Discover four top-rated picks across PA, so you can make an informed choice.

What Are the Top-Rated Credit Unions In PA?

With today’s financial landscape, there are many credit unions to choose from. These are some of the top picks for anyone looking for reliable options in PA.

1.     Members 1st Federal Credit Union

Members 1st Federal Credit Union is a strong pick if you want a Central PA credit union that feels practical day to day, with solid branch access and digital banking that holds up. The team focuses on everyday usability, not flashy extras. You can handle routine money tasks easily, get support when questions pop up and still keep that local footprint.

Members 1st is best if you want a Central PA-first option with a balanced online and in-person experience. The company says it’s “here to help members thrive and better the communities [it] serves.”

Key Features:

  • MyConcierge™ guided support for common financial decisions
  • Digital banking tools with mobile and online access for daily account management
  • Member-first approach that shows up in service and support

2.     Police and Fire Federal Credit Union

Police and Fire Federal Credit Union can be a good fit if you want a larger-scale credit union experience while still keeping the member-owned model. This credit union offers a broader footprint and a familiar service style for members who like established systems. Eligibility and location convenience can vary, so it’s worth confirming that part early.

Clients can easily “speak with a live Member Service Representative during [its] call Center hours of operation.” Police and Fire Federal Credit Union is best if you want scale and structure, and you’re fine with checking eligibility up front.

Key Features:

  • Digital banking tools for everyday account management
  • Standard lending options that cover common needs
  • Member support channels for questions and account help

3.     Citadel Credit Union

Citadel Credit Union is often a stronger match for people who live or work in eastern Pennsylvania and want a regional option with modern digital banking. “Citadel is a not-for-profit member-owned credit union built on the unshakeable promise to serve those who work every day.” Its value tends to come from its regional footprint and steady account access tools.

Citadel Credit Union is best for you if you’re based closer to eastern PA and want branch convenience and digital tools.

Key Features:

  • Mobile and online banking, including core features for daily use
  • In-person support options and branch access in its primary area
  • Standard accounts and loans

4.     New Cumberland Federal Credit Union

New Cumberland Federal Credit Union offers a smaller local feel, keeping your financial life closer to home. Smaller credit unions often appeal to members who want straightforward service and a community-rooted footprint. The trade-off is usually fewer locations, so convenience depends on where you spend your time.

New Cumberland Federal Credit Union is best for you if you want a central PA option with a smaller footprint and a simpler experience. According to the company, “Once a member, always a member!”

Key Features:

  • Checking and savings basic accounts
  • Digital banking basics for routine tasks
  • Local service style for community-focused support

Comparing the Top-Rated Credit Unions

Taking a look at each side-by-side might help make the overall decision easier.

Credit Union Footprint in PA Digital Banking Member Perks and Tools
Members 1st Federal Credit Union Strong presence in Central PA Robust mobile and online banking MyConcierge™ and budgeting support content
Police and Fire Federal Credit Union Strong PA footprint Full digital suite Common lending and deposit options
Citadel Credit Union Strong in SE PA Full mobile access Member-focused services
New Cumberland Federal Credit Union Central PA area Practical digital basics Community-rooted service

How These Credit Unions Were Chosen

“Top-rated” can mean many things, from a review score on an awards list to a personal recommendation from a colleague. A blend of factors was used to evaluate the top-rated credit unions in Pennsylvania.

Third-party recognition, including statewide or regional lists and reputable rankings, was considered. Branch reach in Central PA, digital banking that feels steady and account options that cover the basics were all prioritized.

Frequently Asked Questions

Learn more about top-rated credit unions.

Q: Are credit unions insured like other financial institutions?

A: Many credit unions are federally insured through the NCUA. That coverage is similar in purpose to other deposit insurance models. Always confirm insurance details on the credit union’s side.

Q: How do membership requirements work?

A: Most credit unions use eligibility rules tied to where you live, where you work, your employer or family membership. It’s usually quick to confirm online.

Q: Should you prioritize branches or digital banking?

A: If you rarely visit a branch, prioritize the mobile app and support options. If you like face-to-face help, prioritize locations and hours.

Convenient Banking in Central PA

Start with a credit union that suits your daily routine. Check eligibility, branch access and digital banking tools. Then, select the credit union that most suits your needs.

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Ryan Riley Joins Members 1st Federal Credit Union As Senior Vice President of Marketing

Members 1st Federal Credit Union is pleased to announce that Ryan Riley has joined the organization as senior vice president of marketing. Riley brings more than two decades of leadership experience across higher education and the nonprofit sector, with a strong record of strategy development, partnership cultivation and organizational growth.

Riley joins Members 1st from Harrisburg University where he led marketing, communications and global partnerships. During his tenure, he secured more than $60 million in philanthropic support since 2021 and played a key role in expanding the university’s regional and international presence.

In his new role, Riley will oversee the Marketing, Relationship Management and Investment Services teams. He will help guide the organization through its next phase of growth, bringing a fresh and experienced perspective to the work ahead.

“Ryan is a mission‐driven leader with a proven ability to build partnerships, elevate organizational visibility and drive strategic growth,” said Michael Wilson, President & CEO of Members 1st. “His experience and vision will be invaluable as we continue to deepen our community impact and move confidently into our next chapter. We are thrilled to welcome him to our team.”

Riley is also deeply engaged in the community, serving as Chairman of the Pennsylvania Partnership for Culture, Health, and Education, a board member of CREDC and co‐founder of The Hill Society in Harrisburg.

About Members 1st Federal Credit Union:
Members 1st Federal Credit Union is a member-owned, not-for-profit financial institution with over 625,000 members and $8 billion in assets. With its administrative headquarters is based in Enola, PA, Members 1st serves its members and communities through its network of nearly 60 branch locations throughout Adams, Berks, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Lycoming, Northampton, Perry, Union and York counties, as well as its robust digital banking and call center channels. To learn more about Members 1st, visit members1st.org 

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Overpayment Scams 101: How Scammers Can Trick You & How to Fight Back

Imagine this: You just sold an item online, and the buyer seems friendly and eager to pay. But then, they “accidentally” send you a check for more than the agreed-upon price. They reach out with a message like this:

Hi! I’m the person who bought your item! I accidentally overpaid for it by mistake. Please deposit the check and send the extra back in gift cards. Thanks! 

Sounds harmless, right? Not so fast. This is a classic overpayment scam, and falling for it could cost you—big time.


How the Scam Works 

Overpayment scams prey on your good nature. The scammer sends a check, money order or online payment for more than the actual price. They quickly follow up, asking you to return the extra money—usually through an untraceable method like gift cards or wire transfers.

Here’s the catch: The check they sent is fake. It might look real, but financial institutions take time to verify funds. By the time the check bounces, you have already sent the refund—and the scammer is long gone. Since these transactions are often done through untraceable methods, recovering the money can be extremely difficult. That’s why it is important to recognize the warning signs and avoid falling victim in the first place.


Where You Might See This Scam 

These scams happen in many ways, but here are some common places where they pop up:

  • Online marketplace sales: Selling something on Facebook Marketplace, Craigslist or eBay? Be cautious if a buyer overpays and requests a refund.
  • Rental property deposits: A “tenant” sends too much for a security deposit and asks for the extra back before the check clears.
  • Freelancing & small business payments: A new client overpays and asks for a refund—before their payment turns out to be fake.
  • Pet adoptions & ticket sales: Scammers also target people selling event tickets or rehoming pets, using the same overpayment trick.


Red Flags to Watch For 

How can you spot an overpayment scam? Watch out for these warning signs:

  • The buyer sends more money than they should and claims it was a mistake.
  • They insist on quick repayment—often before the original check clears.
  • They ask for refunds in hard-to-trace methods like gift cards or wire transfers.
  • The check comes from a different name or account than the buyer.
  • The buyer has an urgent excuse for why they cannot correct the payment themselves.


How to Protect Yourself 

The best way to avoid overpayment scams is to stay cautious. Here’s how:

  • Never refund overpayments. If someone overpays, cancel the transaction and ask for the correct amount.
  • Wait for payments to clear. It can take time to detect fake checks. If you deposit one, wait until it fully clears before touching the money.
  • Stick to secure payment methods. Use trusted payment platforms and avoid wire transfers or gift cards for refunds.
  • Verify the buyer. If a payment seems suspicious, research the buyer and check for red flags before proceeding.
  • Report scams. If you suspect fraud, report it to your financial institution, payment platform or the Federal Trade Commission (FTC).


Stay One Step Ahead 

Scammers are crafty, but with a little awareness, you can outsmart them. If something feels off—especially when it comes to money—trust your gut. And if a buyer “accidentally” overpays and asks for a refund in gift cards? That’s your cue to walk away.

At Members 1st, we want to help you protect your hard-earned money. If you ever have concerns about suspicious payments, reach out to us—we’re here to help! Remember: your best defense against these scams is yourself, so use these tips to stay vigilant.

When in doubt, give us a call at (800) 826-4314 or visit one of our nearly 60 branch locations.

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Introducing: 1st Defense™ Checking1 —Security, Savings, Perks from Members 1st

How would you like to have all of our standard checking account features plus…

  • Identity Protection
  • Travel & Leisure Discounts
  • $hopping Rewards™*
  • Cell Phone Protection²
  • Telehealth³ Services & Health Discount Savings4*
  • 24/7 Roadside Assistance²

…for just $6.95 per month? It sounds too good to be true, right? Wrong! It is all included with 1st Defense™ checking, now available from Members 1st Federal Credit Union.

“We didn’t just add these benefits to check boxes,” said Karen Roland, Chief Marketing Officer at Members 1st. “We built this account to reflect the real needs of our members—families, students, professionals, retirees and everyone in between. As fraud continues to rise, protecting our members’ personal and financial information has never been more important.”

Much More than a Checking Account

1st Defense™ checking is designed to help you handle real life—the good, the stressful and the unpredictable:

  • Scoring discounts at your favorite local businesses
  • Replacing your teen’s phone after it goes missing
  • Getting hit with identity theft—and needing support
  • Being stranded on the highway
  • Needing health advice on a Saturday night

We have you covered! 1st Defense™ checking combines powerful tools with exclusive benefits you’ll actually use—all for one low monthly price. No juggling subscriptions. No third-party logins. No hidden fees. Just real protection, real savings and real simplicity—built right into your checking account. See below for how it compares to our standard checking account.

Always on Duty

Just like the benefits it delivers, 1st Defense™ checking from Members 1st is ready when you are. Whether you’re upgrading your current account or opening a new one, it takes just a few minutes to enroll in online banking or the Members 1st mobile app. Many benefits activate automatically—but some may require a quick one-time enrollment. After that, you’re good to go.

Ready to simplify your life and save money? Visit members1st.org/1stdefense or stop by your local branch to get started with 1st DefenseTM checking.^

Federally insured by NCUA.

*Registration/activation required.  

¹Eligibility: Benefits are available to personal checking account owners and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, and/or organizations. 

²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found online through your Members 1st Online Banking or Mobile App. Insurance Products are not insured by the NCUA or any federal government agency; they are not a deposit of or guaranteed by the credit union or any credit union affiliate.

³Available for the account holder and their spouse/domestic partner and up to six (6) dependent children aged 2 and older. This is not insurance. 

4This is not insurance.

^Prospective members must meet current eligibility requirements. 

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The 7th Annual HYP 20 In Their 20’s

HYP will host its 7th Annual 20 in their 20s awards ceremony, sponsored by Members 1st Federal Credit Union, on November 12, 2025 at the Hilton Harrisburg. Together we celebrate 20 rising young professionals who are making a significant impact in their communities and workplaces. HYP believes in giving back to your community and supports active minded professionals who contribute to making Central PA a better place to live, work and play. Tickets are on sale now at HYP.org

Tanner Zimmerman is the Operations Manager at Zimmerman Truck Lines and Repairs and serves as Membership Co-Chair for Harrisburg Young Professionals. A 2019 Penn State graduate with a B.S. in Business Management, Tanner has quickly emerged as a leader in his family transportation business, improving customer satisfaction, employee relations, and increased efficiency across departments. Previously at Workday, he embraced the principles of being “hungry, curious, and helpful,” which guide his professional approach and leadership style. Tanner also dedicates his time to volunteerism as Vice President of the Eastern PA & NJ Province of Sigma Alpha Epsilon, mentoring young men in the fraternity, and as Membership Co-Chair for HYP, creating meaningful opportunities for fellow young professionals. Since returning back to Pennsylvania, Tanner has brought a combination of resilience, curiosity, and dedication to both his work and community involvement.

Kylie Early serves as a Recruiting and Retention Non-Commissioned Officer with the Pennsylvania Air National Guard, where she has quickly risen as one of the top recruiters in the state and nation. In 2024, she was named Top Recruiter in Pennsylvania, achieving 165% of her yearly goal, recognized as one of the Top 15 Recruiters in the U.S. Air Force, and honored as the PA Air National Guard’s Non-Commissioned Officer of the Year. A graduate of American Military University with a degree in Business Management, Kylie is known for her proactive communication, accountability, and ability to develop training strategies that have cut preparation time for her team in half. With eight years of military service and the rank of Technical Sergeant (E-6), she continues to lead by example, shaping future leaders and strengthening her unit. Beyond her military role, Kylie is a Sports Co-Chair with Harrisburg Young Professionals, volunteers regularly with local organizations, and supports morale and engagement initiatives on base. Outside of service, she channels her creativity into a small baking business.

Taylor Thames is the Director of Ticket Sales for the Harrisburg Senators, where she leads a team of five sales representatives and three interns, coaching them in outreach, pipeline management, and sales execution. A graduate of Kutztown University with a degree in Sport Management, Taylor graduated Summa Cum Laude and was a captain of the Women’s Basketball Team, where she first developed the leadership, time management, and resilience that define her professional career today. At the Senators, she has been recognized with multiple Sales Shark awards and created a LinkedIn training guide for the entire organization, as well as educational workbooks for thousands of local students attending Education Day at FNB Field. Beyond her career, Taylor mentors young professionals, guest lectures at Kutztown University, and volunteers with the Salvation Army Angel Tree program. She is also a familiar face in the HYP sports leagues, participating in volleyball, dodgeball, basketball, flag football, and kickball. Away from the field, Taylor holds black belts in both Taekwondo and Karate, a testament to her discipline and drive in every area of life.

Kalie Morrow is a Communications Coordinator with the Pennsylvania House of Representatives, where she leads strategic messaging and digital outreach for multiple lawmakers to ensure their work is effectively shared with the public. With an associate degree in marketing, she has become a trusted communications leader in the Harrisburg region by consistently identifying gaps, creating solutions, and driving meaningful change. Kalie has used her skills to support women-owned small businesses with branding and outreach strategies, helped strengthen community connections through her volunteer work on Harrisburg Young Professionals’ Marketing Committee, and shaped communications for Beacon Clinic to reach underserved patients with critical healthcare resources. Whether in her professional role or through volunteer service, Kalie is passionate about amplifying voices, connecting people with resources, and using storytelling to build stronger, more informed communities.

Krianna Perry is a multidisciplinary creative and technical professional, currently a Lighting Designer at Windward Engineering & Consultants and founder of Pixel Tanuki Studio, where she leads a team developing original, narrative-driven games. A 2023 graduate of Harrisburg Area Community College with an Associate in Applied Science in Architecture, Krianna combines technical precision with creative vision, delivering immersive experiences in both digital storytelling and architectural lighting. She has earned numerous accolades, including the 2025 Grand Prize Winner at GB Studio Art JAM and the 2023 Regional Best Project Award from Engineering News-Record. Beyond her professional work, Krianna co-founded Central PA Game Devs, supporting indie game developers, and serves on the board of Nittany Lights, mentoring participants in large-scale lighting installations. Her projects not only showcase innovation but also foster collaboration, mentorship, and community engagement. A passionate creator, Krianna has even developed playable games on an original GameBoy, highlighting her unique blend of artistry and technical skill.

Andrea Saravia Pérez is the co-founder of Small Loan Studio and Central PA Gamedev Association and holds a B.A. in Creative Writing with minors in Film Studies, Business, and Fine Arts from West Chester University (2022). Andrea has led award-nominated projects in the video game industry, including work on BAFTA-recognized titles like Civilization VII and Take Us North, while mentoring dozens of writers and establishing production pipelines that help collaborators launch careers in gaming. She has also founded the first eSports team at her alma mater, raising over $500,000 to create a gaming lounge to support aspiring athletes. Through her volunteer work with Small Loan Studio, BLACC La Cultura, Central PA Gamedev Association, and the Amir Satvat Games Community, Andrea empowers others with hands-on training, mentorship, and career guidance, fostering opportunities in competitive industries. A polyglot fluent in five languages, she combines creativity, leadership, and a focus on authentic storytelling to inspire and elevate those around her.

Emily Lupi is the Assistant Director of Career Services and Employer Relations at Harrisburg University of Science and Technology (HU). In this role, she connects students with career and internship opportunities while building strong partnerships with employers. She has expanded the impact of the university’s career fairs, increased student engagement at events and fostered meaningful connections that support the region’s workforce. With a Master of Arts in Strategic Communication from the University of Delaware, Emily teaches an undergraduate course at HU focused on career readiness with industry- aligned curriculum. She’s passionate about empowering others and creating opportunities for those around her to grow and succeed. Emily is a volunteer with the National Association of Colleges and Employers (NACE), the Cradle to Career Alliance, SCPa Works, and PA Caring for K9s. An avid baseball fan, she has visited all 30 MLB stadiums!

Ivan Hernandez is a Video Producer with the Hershey Bears at Hershey Entertainment & Resorts, where he directs in-game productions that bring together cameras, graphics, videos, ceremonies, and live fan experiences. A graduate of Full Sail University with a degree in Recording Arts and Technology, Ivan has already earned recognition in his field, including nominations for a Capital Region Emmy and the IDEA In-Game Feature Awards for his creative video work. Known for his leadership behind the scenes, he has been nominated for Leader of the Quarter at Hershey Entertainment for his ability to keep productions running smoothly under pressure. Beyond his professional achievements, Ivan mentors Milton Hershey School interns, teaching them video, photography, and design skills, and contributes to HE&R’s MERGE employee resource group, which supports diversity, inclusion, and minority voices. The son of Mexican immigrants, Ivan has proudly supported his family through translation, tutoring, and helping relatives achieve U.S. citizenship. Fun fact: before he even had a driver’s license, Ivan had already flown both a plane and a glider.

Paige Shope is the Communications & Marketing Manager at the Harrisburg Regional Chamber & CREDC, where she develops strategic messaging, drives marketing for key Chamber & CREDC events, and elevates the organization’s brand. A graduate of Shippensburg University with a Bachelor of Arts in Communication & Journalism, Paige has been recognized with multiple awards for excellence in visual storytelling and leadership, including First Place in Photo Story at the 2023 Student Keystone Media Awards. In addition to serving as Treasurer of the Pennsylvania Public Relations Society (PPRS), she is involved with the Central Pennsylvania chapter of the American Marketing Association and Harrisburg Young Professionals. Paige’s success comes from her deep regional connections and her ability to craft narratives that inspire pride, engagement, and action. Most people are surprised to learn that she hosted a live radio show throughout all four years of college, an experience that sharpened her voice, confidence, and creativity behind the mic. Paige’s work consistently amplifies local voices, strengthens community connections, and drives meaningful impact across Central Pennsylvania.

Logan Spiewak is the CEO and founder of Boots to Health, a nonprofit he launched from the ground up to provide critical services for veterans. Since its founding, the organization has given away more than $250,000 in free services to the veteran community, earning Logan recognition from multiple military subdivisions and features in national military publications. He is especially proud of receiving the United States Air Force Salutes Award for his impact. Logan credits his success to “putting others first.” Outside of his professional and volunteer work, he enjoys art and attending cooking classes.

Joanna Hunt is an Operations Specialist and Archivist with the Historic Harrisburg Association, holding a Master of Liberal Arts in History (2023) and a Bachelor of Arts in History (2018) from LSU Shreveport. She has demonstrated exceptional leadership and initiative by mentoring college interns in archival work, guiding them professionally and personally, and coordinating volunteers for both Historic Harrisburg and the Historical Society of Dauphin County. While taking part in the Community Leadership Series with Leadership Harrisburg Area, Joanna helped organize and run the “5th Annual Central PA Volunteer Fair” this past April. Beyond her professional contributions, she also volunteers with Alder Health Services, creating inclusive environments and opportunities for personal and professional growth. Known for her thoughtful approach and guidance, Joanna has positively impacted countless individuals in the historic preservation field and the broader Harrisburg community.

Imani Woodyard, Esq is the Legal Advocacy Director at YWCA York and a 2021 Juris Doctor graduate from Penn State Dickinson Law. She is recognized for her leadership in representing survivors of domestic violence, sexual assault, and human trafficking, combining legal expertise with a trauma-informed, survivor-centered approach. Imani drives systemic change by shaping organizational policies and advocating for reform at local and national levels, earning accolades including YWCA USA Emerging Leader (2024) and serving as a United Nations Delegate (2025). She is deeply committed to expanding access to justice for vulnerable populations through nonprofit legal work, providing critical support without financial barriers. Beyond law, Imani is also the President of Beni Models, Inc., Harrisburg’s first model troupe, and is the first African-American to hold her role at YWCA York, exemplifying her dedication to representation, community impact, and leadership.

Frankie Vernouski is the Manager of Corporate Partnerships and a Radio Broadcaster for the Harrisburg Senators. Frankie quickly established himself as a leader in Minor League Baseball by taking on a key sales leadership role despite limited prior experience, consistently exceeding team goals, and fostering growth among his colleagues. Beyond his professional achievements, he serves on the Board of Directors for Open Stage, a nonprofit theatre in downtown Harrisburg, supporting arts education and amplifying diverse voices in the community. Known for his dedication to Harrisburg, Frankie delights fans by playing the organ and singing “Take Me Out to the Ballgame” at home games. He also calls Senators game action on the radio, connecting with fans across Central PA, demonstrating his commitment to building relations, celebrating local culture, and lifting up his community. 

Shania Steele is a Teller at Members 1st Federal Credit Union and a dedicated community leader in Harrisburg. A 2021 graduate of Albright College, Shania channels her passion for positive change into meaningful impact, serving as the youngest Chief of Staff for Bro2Go, Inc., a nonprofit supporting ex-offenders and at-risk youth. She has helped organize programs like a college tour for 50 Central PA youth to Delaware State University and hosted HYP Outreach committee visits to educate others about community service opportunities. Balancing full-time work with her volunteer commitments, Shania’s success stems from her determination, empathy, and dedication to creating opportunities for those around her.

Sarah Hildebrant serves as a Legislative Assistant and Constituent Outreach Coordinator for the Senate of Pennsylvania, where she has built a strong record of leadership in both policy and community engagement. A 2023 graduate of Albright College with a degree in Political Science and Public Policy, she was named a Jacob Albright Scholar and earned recognition for her research and academic excellence. Sarah has taken on leadership roles in local and statewide campaigns, borough events, and community boards, reflecting her deep commitment to public service. Her volunteerism spans from working on farms and serving with the Red Cross during the pandemic to engaging with municipalities through Albright’s Center for Excellence in Local Governance, supporting political campaigns, and helping older adults in her community. Looking ahead, she is committed to mentoring the next generation of leaders through programs like the Delaware Leadership Congress and Women in Government Relations. Outside of her professional and civic life, Sarah has a fun side too—she’s been an avid line dancer for eight years.

Dylan Wells is an Economic Development Analyst with the Pennsylvania Department of Community and Economic Development and a 2022 graduate of Messiah University, where he earned a B.A. in Economic Development with a minor in International Business, graduating summa cum laude. Dylan has demonstrated leadership and initiative through global experiences across 11 countries, cross-cultural work with nonprofits, and contributions to economic and community development projects, including connecting Ukrainian and South African social enterprises and preparing annual reports for Forgotten Voices. Beyond his professional work, Dylan serves as Head Boys Basketball Coach at Halifax Area High School, mentoring student-athletes, facilitating camps, and fostering life skills both on and off the court. Known for his humility and eagerness to learn, Dylan applies lessons from his experiences to create meaningful impact locally and globally, combining analytical skill, mentorship, and community dedication.

Harasees Kaur is a Business Systems Analyst Intern at The Fidelis Group Inc. and a graduate student at Harrisburg University of Science and Technology, pursuing a Master of Science in Project Management (expected 2025). She has excelled academically, maintaining a perfect 4.0 GPA while balancing a full-time graduate course load and internship. Harasees has published research on Agile Risk Management in financial services, earned a Certified Scrum Master (CSM) credential, and holds multiple regulatory certifications from India, demonstrating a unique blend of international expertise and technical skill. She is deeply committed to mentorship and community impact, guiding peers and international students through internship preparation, resumes, and career navigation. Harasees also volunteers with Let’s Share A Meal, providing meals to underserved populations, and teaches children at Khalsa School, Glen Rock, NJ on Sundays as a way of giving back to the community. In addition, she has contributed to health awareness and educational initiatives in India. Multilingual and creatively inclined, Harasees is also an amateur painter and believes in using food, service, and mentorship to create lasting impact.

Kahley Stewart is the Development Director for the Go Red for Women campaign at the American Heart Association. With a background in nonprofit fundraising, she brings expertise in strategic development, event planning, and community engagement. Kahley holds a Master’s in Organizational Leadership and a B.A. in History and Museum Administration from Juniata College. She is active in the Rotary Club of Harrisburg as Co-Chair of the Service on a Monday Committee, serves as a Membership Ambassador for the West Shore Chamber of Commerce, is the coordinator of the Women’s Club of Central PA, sits on the board of the Keystone Business Alliance, and is a member of the Juniata College Alumni Council. Known for her leadership, strategic vision, and ability to cultivate connections, she has made a meaningful impact on women’s health awareness and the broader Harrisburg community. She enjoys traveling, cooking, reading, and spending time with her husband, Andrew, and their dog, Rosie. A unique fact about Kahley is that she grew up in Japan in a military family, attended Japanese school, became fluent in the language, studied traditional Japanese dance, and was the youngest person from the Navy’s Morale, Welfare, and Recreation organization to summit Mt. Fuji.

Maddy Kinard is the Director of Events at Klock Entertainment, where she oversees part-time staff, manages quality control, and leads the planning and execution of large-scale corporate events. A graduate of Wilkes University with a degree in English and Communication Studies, Maddy was recognized with the 2023 College of Arts and Sciences Outstanding Student Award, honoring her academic excellence, leadership, and service. Within her first year at Klock, she earned a promotion to a director role—a testament to her organizational skills, process-driven approach, and ability to deliver high-quality experiences for clients and teams alike. Beyond her career, Maddy serves on the Games and Marketing Committees for Harrisburg Hoopla, supporting nonprofits across the region, and is a graduate of the Leadership Harrisburg Area Community Leadership Series, where she deepened her understanding of community systems and collaborative problem-solving. An avid reader with aspirations of becoming a published author, Maddy brings both creativity and discipline to every endeavor she takes on.

Nicolas Dunlap is the Administrative Executive & Director of Events for Wildheart and holds a B.S. in Business Administration/Marketing from Central Penn College (2022). Recognized as Pennsylvania Business Student of the Year in 2022, Nicolas has demonstrated leadership across multiple organizations by streamlining marketing processes, launching campaigns, and mentoring colleagues, all while leading with vision and service. He has positively impacted youth and community development through hands-on mentoring, volunteer work with his church, Wildheart, and The Foundation for Enhancing Communities, where he serves as Vice Chair of the Harrisburg Hoopla planning committee. A passionate musician, Nicolas enjoys singing and playing piano with his wife. His dedication to fostering community transformation in Allison Hill and beyond reflects his commitment to mission-driven work, creativity, and lasting impact.

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Where to Find the Most Affordable Credit Card Options in Pennsylvania

When choosing a credit card, it is important to balance low interest rates, valuable rewards and manageable fees. Affordable cards reduce financial strain, maximize everyday spending and help cardholders avoid the pitfalls of high-interest debt. Local and regional providers often stand out by offering lower annual percentage rates (APRs), fewer hidden costs and more personalized service compared to national banks.

In Pennsylvania, banks and credit unions compete to deliver community-focused solutions that put members first while offering competitive perks. With many trusted institutions across the state, residents have no shortage of opportunities to find a card that fits their financial needs and long-term goals. Here’s where you can find the most affordable credit card options in Pennsylvania.

1.   Members 1st

Members 1st provides several budget-friendly credit cards tailored to different financial needs. Its Visa Signature Rewards card delivers 1.5% cash back or 1.5 points on all purchases. It does not have an annual fee and offers high credit limits starting at $5,000, plus perks like low monthly payments of as little as 2% of the balance, emergency coverage and Visa Concierge service.

For those prioritizing low interest, the Visa Platinum Low Rate card features a competitive APR and no annual fees. It is ideal for carrying a balance with as little as 20% or 2% minimum payments. For individuals building or rebuilding credit, the Visa Platinum Secured card requires a security deposit, has a low annual fee, reasonable rates and manageable payments starting at $30 or 3%.

These cards are accessible through generous credit limits and have tools like contactless pay and member-focused digital banking. Members 1st stands out for those seeking affordable, dependable and easy-to-manage card solutions.

2.   PSECU

PSECU offers highly affordable credit cards designed for clarity, value and member-focused benefits. Its Classic card features a notably low fixed APR of around 12.90%, with no annual, balance transfer, cash advance or foreign transaction fees. It also offers promotional balance-transfer rates as low as 2.90% APR during select periods.

The Founder’s Rewards Card has unlimited 1.5% to 2% cash rewards on all purchases, depending on account activity. Visa Signature perks apply to credit lines of $5,000 or more, with zero fees. For those building or repairing credit, PSECU’s Secured Visa Card offers a low 12.90% APR, no annual fee, and credit limits from $200 to $2,500 tied to collateral.

Consumers benefit from PSECU’s nonprofit structure, which allows it to pass savings directly to members through low-cost products. Its digital-first banking setup supports mobile wallets, virtual card numbers, alerts and card controls, enhancing affordability and control.

3.   TruMark Financial Credit Union

TruMark Financial Credit Union delivers affordable Visa cards that cater to various financial needs, blending low rates, zero annual fees and rich features into a streamlined experience. Its Classic Visa card attracts users with a notably low APR starting at just 10.24%, no annual fee and transparent terms.

The Cash Back Visa offers an uncluttered structure involving 1.5% unlimited cash back on every purchase and no annual, balance transfer or cash advance fees. Shoppers seeking greater flexibility can opt for the Rewards Visa, which earns one CURewards point per dollar spent. These points are redeemable for travel, merchandise, gift cards or cash and come with perks like cell phone protection, fraud safeguards and zero liability.

TruMark Financial’s card portfolio stands out for its no-annual-fee structure, transparent pricing, tailored rewards programs and supportive features. These products are all backed by the community-minded approach of a member-owned credit union serving Pennsylvania residents.

4.   American Heritage Credit Union

American Heritage Credit Union offers wallet-friendly cards that balance low rates, valuable rewards and community impact for Pennsylvania residents. Its Cash Reward Mastercard delivers up to 3% cash back on essentials like gas, groceries and pharmacies, 2% on travel and dining, and 1% on everything else. These offers do not require annual or balance transfer fees, and members get a $150 bonus when they spend $1,500 within the first 90 days.

The Platinum Preferred Mastercard is perfect for individuals wanting to manage or consolidate debt. It offers a 0% APR on purchases and balance transfers for the first nine months and a competitive 9.99% APR afterward. Users can also earn ScoreCard Rewards points while enjoying Mastercard benefits like travel insurance and zero fraud liability.

Beyond the rates and perks, American Heritage also stands out for its Penny-per-Purchase program, which donates $0.01 to a local Kids-N-Hope foundation with every card use. Low fees, smart rewards, flexible rate options and local impact make American Heritage a compelling choice for Pennsylvania consumers.

5.   Citadel Credit Union

Citadel Federal Union offers budget-friendly Mastercard cards that balance value, transparency and member-centric service. Its Choice Mastercard offers new cardholders a 4.99% introductory APR for nine months on purchases, balance transfers and cash advances. It also has no annual or balance transfer fees and a generous credit limit.

The Cash Rewards Mastercard offers unlimited 1.5% cashback on all purchases, with no annual or balance transfer fees. Plus, it has perks like purchase and ID theft protection and easy cash back transfer to checking or savings. Travelers and foodies will appreciate the World Mastercard, which starts with a 2X points program on restaurants and travel. It has added benefits like TSA PreCheck/Global Entry rebates, no foreign transaction fees and liability protection.

As a nonprofit, member-owned credit union, Citadel passes savings directly to cardholders through better rates and lower fees. It offers a personalized, transparent banking experience for Pennsylvania residents who value affordability and community focus.

6.   First Citizens Community Bank

First Citizens Community Bank offers affordable Visa credit cards that appeal to various financial goals while maintaining transparency and value. Its Cash Rewards Platinum Visa card offers unlimited 1% cash back on every purchase with no annual fee. It also provides 0% introductory APR on purchases and balance transfers for the first 12 billing cycles.

The Rewards Visa boosts earning potential with tiered points, including three points for gas and streaming, two points for groceries and drugstores, and one point on all other qualifying purchases. For individuals building or rebuilding credit, the Secured Cash Back Credit Card adds value through its 1% unlimited cash back and reporting to credit bureaus, which helps users improve their score while earning rewards.

Each card also includes benefits like fraud alerts, mobile wallet compatibility and free FICO score access. These features make First Citizens a compelling choice for consumers seeking clarity, relevant rewards and manageable costs under a trustworthy, locally accessible banking brand.

What Makes a Credit Card Affordable?

Three core features define an affordable card — a low APR, minimal or no extra fees, and transparent terms that allow cardholders to understand their obligations. Credit union cards often excel in these areas because they are member-focused nonprofits, which typically translates to lower interest rates, fewer hidden costs and more flexible approval criteria.

By contrast, big bank cards may offer broader nationwide access and premium rewards. Still, these often come at the expense of higher fees and less personalized service. For Pennsylvania residents, turning to regional providers like local banks and credit unions offers the advantage of affordability and community connection.

These institutions invest in local economies and tailor their products to member needs. This means individuals can find the most affordable credit card options in Pennsylvania while enjoying reliable, local support.

Why Pennsylvanians Should Choose Local Card Providers

Pennsylvania’s community banks and credit unions often give residents an edge by offering better approval rates than larger national institutions, thanks to their ability to look at members as individuals rather than numbers on an application. These local providers also prioritize personalized service, which gives members access to tailored financial advice, flexible solutions and community-focused benefits that make banking feel more approachable.

In addition, they frequently deliver lower APRs than big banks, which makes managing balances more affordable and reduces the long-term cost of borrowing. For Pennsylvania residents, this combination of accessibility, affordability and personal attention makes regional banks and credit unions practical when exploring card options.

Factors to Consider When Finding Pennsylvania’s Most Affordable Credit Card Options

When choosing a credit card in Pennsylvania, several key factors determine whether an option is truly affordable and valuable. The APR and introductory rates are critical as a lower interest rate can save cardholders significant money over time, especially if they carry a balance. Annual fees and hidden charges should also be considered, since even a card with great perks can become costly if fees outweigh the benefits.

Rewards and cashback options add extra value for everyday spending. At the same time, balance transfer opportunities provide a way to consolidate debt at lower interest rates and pay it off more efficiently. For first-time users, the credit-building potential of a card is especially important, as establishing a solid history with an affordable card sets the foundation for stronger financial opportunities in the future.

Tips for Finding the Best Deals in Pennsylvania

Finding the most affordable credit card options in Pennsylvania requires looking beyond promotions and focusing on long-term affordability. While national banks may tempt consumers with sign-up bonuses, local and regional providers often deliver fewer fees and more personalized service. Here are some practical tips to guide your search:

  • Check credit union membership eligibility: Many Pennsylvania unions provide lower rates and fees, though applicants must meet membership requirements.
  • Compare APRs before applying: The standard APR and introductory offers should be reviewed to ensure lasting value.
  • Watch out for annual fees and hidden charges: Cards with low or no fees often save more in the long run than those with expensive extras.
  • Explore rewards and cashback options: Choosing a card that aligns with common expenses like groceries, gas or dining adds everyday value.
  • Ask about local promotions: Community banks and credit unions frequently run seasonal deals or member-exclusive offers.
  • Use online comparison tools: These tools help quickly evaluate rates, fees and rewards across multiple providers.
  • Consider balance transfer opportunities: A card with a low or 0% balance transfer APR can make repayment more affordable for those with debt.

FAQs for Pennsylvania Residents

Can out-of-state banks offer better deals?

Out-of-state banks can provide competitive deals, especially larger national or online-only banks with attractive introductory rates, cashback or travel rewards. However, they may lack the personalized service and community-focused benefits that Pennsylvania-based banks and credit unions provide. While national banks can appeal to those seeking nationwide accessibility and premium perks, local unions often deliver stronger long-term value with lower APRs and more member-focused support.

Are credit unions safer than traditional banks?

Credit unions and traditional banks are safe for consumers since deposits are federally insured. The Federal Deposit Insurance Corporation backs banks, while unions are insured by the National Credit Union Administration, each protecting up to $250,000 per account. The key distinction lies in structure. Credit unions are member-owned and generally prioritize affordability and community service. In contrast, banks may provide broader offers and more advanced technology.

How does a credit score affect affordability in Pennsylvania?

A credit score significantly impacts the rates and terms available to Pennsylvania residents. Higher scores typically unlock lower APRs, better rewards programs and higher limits. In comparison, lower scores may result in limited options and higher borrowing costs. However, many state credit unions are known for being more flexible than national banks. They often work with residents to provide affordable options even when their credit is less than perfect.

Is switching banks for a better credit card deal worthwhile?

Switching banks can be worthwhile when the savings and benefits of a new card outweigh the effort of moving accounts. Lower APRs, waived annual fees or stronger rewards programs can result in meaningful financial advantages over time. For Pennsylvania residents, exploring credit unions and regional banks may provide access to better terms without requiring a full switch of all banking services. It allows them to keep convenience while securing affordability.

Finding the Right Credit Card in Pennsylvania

Pennsylvania is home to many local and regional providers offering affordable options tailored to community needs. By comparing offers carefully, applicants can apply wisely and choose cards that support their financial goals. With the proper research, individuals can find the most affordable credit card options in Pennsylvania while prioritizing affordability and trust.

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Members 1st Federal Credit Union Recognized For Associate And Credit Union Achievements

Members 1st Federal Credit Union is proud to celebrate a standout second quarter of 2025, as several associates and initiatives were recognized with regional and national honors for their innovation, leadership and commitment to serving members and communities.  

The credit union was recognized for the following: 

Ashley Nahodil

Lynn Stickler

Ashley Nahodil, Palmyra Branch Manager II, and Lynn Stickler, VP of  Relationship Management, were named Women of Influence by the Central Penn Business Journal. In addition, Karen Roland, Chief Marketing Officer, received the prestigious Circle of Excellence award, which celebrates trailblazing women who mentor and lead with impact. 

Karen Roland

Cassandra Rhodes

Cassandra Rhodes, Customer Service Quality Assurance Specialist, won the  CU Ambassador Contest hosted by CrossState Credit Union Association. She was recognized for her proposal to streamline internal systems, improve efficiency and enhance the member experience. 

Kyle Cooper

Nick Garisto

Ali McFadden

Kyle Cooper, Video and Animation Team Lead, Nick Garisto, Multimedia Specialist I and Ali McFadden, Digital Marketing Specialist earned national recognition with two Telly Awards: a Gold Award in the Social Video – Products & Services category for the “Around the House” video series, sharing subject matter insights about buying and owning a home, and a Silver Award in the Social Video – DEI category for “Feels Like Home,” focused on fostering inclusion and belonging. 

  • Members 1st was named a Central Penn Business Journal 2025 Best Legacy Business, a recognition of long-standing organizations that continue to innovate, adapt and drive economic growth in the region. 
  • Members 1st was also honored as a Best-In-State Credit Union by Forbes and Statista for the fifth consecutive year, a distinction earned by only three percent of credit unions nationwide. 

“These awards reflect the heart of who we are—passionate people committed to making a difference,” said Michael Wilson, President & CEO. “It is that same passion and heart that has carried us through 75 incredible years. I am incredibly proud of our associates who continue to push boundaries, elevate our brand and serve our members with excellence.” 

For more information on Members 1st news and awards, please visit:  https://www.members1st.org/newsroom/

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Bob’s Art Blog: Spring’s Special Edition for 3rd in The Burg

This spring, “Arts Season” is in full swing from new productions on stage to fresh vibes at music venues and local watering holes to visual art found on the walls from museums to galleries. The latter is my domain while esteemed colleagues of mine write about other parts of the local art scene for TheBurg. Gina Napoli expertly covers the theater scene much like critic Jesse Green of the New York Times, while Skye Leppo, music writer and 3rd in The Burg coordinator, skillfully wraps both, akin to Jon Carmanica, music critic for the Times. For April, Skye picked a trifecta of winners.

Good things come in threes: from primary colors to three coins in the fountain to the third time’s the charm. And as we know every picture tells a story. For three local photographers, their focus finds “form, flex, and flow,” featuring the human body and more as core to the narrative. Man about town, Nate Foster, the director of exhibitions at the Art Association of Harrisburg, flexes his artistic savoir-faire for his latest offering “form, flex, and flow,” the new show at the AAH that opened April 4 and runs through May 8, featuring the work of Evelyn Burton, Robert G. Nulph, and Michelle DiNicola. The opening reception is this Friday from 5 to 8 p.m.

“form, flex & flow” at Art Association of Harrisburg

There’s a lot to be said about old school techniques when it comes to photography. For award-winning photographer Evelyn Burton, the dark room is where the magic happens. With art credentials a-plenty, she brings a special skill set to produce images that transcend time using the knowledge gained from decades of experience. Evelyn divulged, “the solace of the dark room allows me to experiment…using traditional chemical photography…each negative provides the opportunity to try variations of material and technique, and to take that image as far as the imagination allows.”

“Some call her Sister of the Moon; some say illusions are her game…” In her haunting piano demo for “Sisters of the Moon,” Stevie Nicks’ paean of poetry pledges an oath of fealty to a fellow disciple. “She was dark at the top of the stairs, she called, she called, me…” Digital artist, mosaic manipulator and photographer, Michelle DiNicola specializes in digital compositions of urban and landscape photography. She traffics in the land found between twilight and dusk with an incendiary imagination lighting her way. One can almost sense the eerie emergence of fog filtering in from the moors, the flicker of a candle in the window, the turn of a key in the lock…a storyteller in ideas and images burning incandescently.

Retired professor Robert G. Nulph’s photography has moved on from the landscapes of nature to the body-scapes of the human figure sans clothes. After decades of photographing serene sunsets and coastal contemplations, his academic attention finds fascination with the feminine form of beauty unadorned. Today his photographic calling card features high-resolution nudes. Achieving perfection is not the goal here but does provide a lens for commentary on society’s idea of the feminine form. Nulph’s photographs promote form, flex and flow as part and parcel of the mystique and allure the naked female body holds in regal repose or standing sublimely sculpted, scintillatingly surreal.

“Is it Mr. Anderson or Neo, which do you prefer?” was never a line from “The Matrix,” but it could have been. For one, Douglas D. Anderson, who is not a “neo”-phyte painter in the art scene but an experienced artist, makes a valiant stand against agent Smith and all evil in the upstairs gallery at the AAH for his spring show. Being “the One” is a heavy mantle to carry, so let it suffice that Douglas is well among one of the Ones. At times, his style may resemble that of Grant Wood and at others makes a statement with his political pop art but always reflects a strong impressionistic ideology all his own. Collectively the paintings are front and center in his current show, “Recent Excrementations.” “Whoa!”

Jazz is truly the only music genre that is 100% pure American, stemming from its earliest roots in the late 19th and early 20th centuries. Jazz emerged as an art form born in the African American communities of New Orleans, blending African and European musical traditions, constantly evolving into the extremely diverse branches and today appreciated by enthusiasts worldwide. Skye’s pick for “jazzophiles” locally comes from the 1926 phrase while, in 1932, “jazz cat” was the term coined to herald its audience. The Central Pennsylvania Friends of Jazz drops their latest gift as the Kirk Reese Trio mesmerizes the crowd for a memorable jam session. The evening is sponsored by Members 1st Federal Credit Union and takes place at Pursuit Coworking at 922 N. 3rd St., right next to TheBurg.

It is hard to believe that the Kirk Reese Trio has been together for four decades now as its members are the stuff of legend. With multi-talented Kirk, equally at home behind the piano or playing guitar or saxophone, the trio shines bright, lighting up CPFJ’s first jam of the season Friday night. With Steve Meashey on rhythm guitar and Jeff Stabley on the drums, the two propel the intricate nuances of jazz to new heights like a well-oiled machine. The chemistry between the musicians is undeniable. Be sure to catch their vibe from 5:30 to 8:30 p.m. for a special night of music.

Exceptional entrepreneur Elyse Irvis of La Cultura has a vision so clear that she can see the future, bold and bright, fully formed and focused, always on display at the intersection of “artist hub and market space” for persons of color from all over the Eastern seaboard.

Night Market at La Cultura

Touted as a “Tri-state pop-up” of poetic personalities plying product and presentation under one roof makes for powerhouse events. Movers and shakers from Pennsylvania to Maryland and Virginia have all flocked, falling under La Cultura’s ethos. Taking it to the stratosphere, holding sway and swagger with aplomb, promotes their ideas and art to the max. Join this SoMa “Night Market” Friday found at 19½ N. 4th Street for an evening of art, cuisine and magic that you’ll help make.


Art Lover’s Unite!

Millworks Spring Bizarre takes place Saturday, April 26, 11 a.m. to 5 p.m. Meet the “Movers, Shakers and the Makers.” Feel free to be “Takers.” After you pay–no Miss-take–here’s the icing on the cake! Paintings, prints, jewelry and more . . . photographs, pottery, so much more in store. The Gallery is filled to overflowing. Bring a friend . . . you’ll both be glowing with the bounty and loot from 40 artists to boot!

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Members 1st Federal Credit Union Celebrates 75 Years of Service

Members 1st Federal Credit Union is proud to celebrate its 75th anniversary, marking a milestone in its commitment to serving members and the community. Founded in 1950 by nine individuals who pooled their resources to buy a coworker an appliance, Members 1st has grown into a trusted financial institution serving more than 600,000 members.To celebrate this milestone, Members 1st is hosting a series of celebrations and special promotions throughout April including:

  • Branch Celebrations – April 12
    Each Members 1st branch will host an anniversary celebration featuring complimentary food for both members and non-members from 10:00 am to 12:00 pm.
  • $25 Cash4U Refer a Friend Promotion
    Throughout April, new members who join the Members 1st faM1ly through a referral will receive a $25 reward, and the referring member will also receive $25.
  • $75 Daily Giveaways
    Members who engage with digital banking tools throughout the month will be randomly selected to receive a $75 gift card. One winner will be selected each day, with gift cards distributed every Friday in April.
  • Non-Profit Donation Announcement
    As part of their ongoing commitment to giving back, Members 1st will announce the recipient of a $7,500 donation to a local non-profit organization—selected by the votes of their members.

“From our humble beginnings to becoming a leading financial institution, our members have been at the heart of everything we do. This anniversary is truly about celebrating the relationships we have built with our members and communities,” said President & CEO, Michael Wilson. “We are excited to commemorate this milestone together and look forward to an even brighter future.”

You can learn more about the Members 1st story and how they are celebrating their milestone year here: www.members1st.org/75.

Members 1st Federal Credit Union is a member-owned, not-for-profit financial institution with more than 600,000 members and $8 billion in assets. While its administrative headquarters is based in Enola, PA, Members 1st serves its members and communities through its network of nearly 60 branch locations throughout Adams, Berks, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Lycoming, Northampton, Perry and York counties, as well as its robust digital banking and call center channels. To learn more about Members 1st, visit members1st.org or follow us on Facebook, Instagram, LinkedIn and X.

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