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Frequently asked Questions 

Q.      Who can join Members 1st Credit Union?

A.      Anyone who lives or works in the counties of Windham, Bennington, Rutland and Windsor in Vermont;  Sullivan and Cheshire counties in New Hampshire and Franklin county in Massachusetts, as well as members of their immediate families.         

Q.      What do I need to have with me when opening a new Share Account (savings)?

A.  You must have a VALID Drivers license or Picture ID and PROOF of residency.   Children need to have a birth certificate and Social Security Card.

A.      All new members must open a Share Account with a minimum balance of $25.00, (must remain in the account as long as you are a member.)

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 one box of BASIC checks free of charge per year.

          We also offer Platinum Checking free of charge as long as a $1000.00 minimum balance is maintained. (0.25%apy*  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 $250,000.00. 

Q.      Do you have a credit card?

A.      Members 1st Credit Union has a VISA card with a great rate of 10.9%**apr. There are no fees for cash advances and the rate is the same for cash advances.

          Payments may be made in person at the credit union office, online on E-teller or by mail.

Q.      Is there a minimum balance on you checking accounts?

A.      NO Minimum balance is required on our regular Checking/Share Draft account.

          AND there is no monthly fee if you have direct deposit of any kind.  A $3.00 monthly charge is taken on the last business day of each month for any regular checking accounts that do not have direct deposit.

Q.      Do you offer mortgages and Home Equity loans?

A.      YES - certain restrictions apply.    Please call to set up an appointment at 802.257.9119

Q.      How long does it take for deposits to show on my Debit card balance?

A.      Debit card balances are updated immediately.


*  annual percentage yield

** annual percentage rate