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Frequently asked Questions 

Q.      Who can join Members 1st Credit Union?

A.      Anyone who lives or works in Windham County, or is related by blood, marriage, or adoption to an existing member, is eligible to become a member.         

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. Children need to have a birth certificate and Social Security Card.

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.)

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. (0.25% 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 starting rate of 1.99% for purchases for the first 6 months.

          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.

          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 - certain restrictions apply.    Please call to set up an appointment at 802.257.9229

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

A.      ATM balances are updated daily Monday thru Friday at 8 AM and every hour after that until 5:00 PM.