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We put our members first.

Becoming a Member

Thank you for choosing Members 1st

Applying is easy! The application process should take approximately 5 minutes to complete. All owners must be a U.S. Citizen or Permanent Resident to apply. You will need the following information readily available for yourself and any other joint* owners:

  • Valid Identification1 (Driver's License, State or Government issued ID, US Passport, Permanent Resident Card2)
  • Valid United States Social Security Number
  • Current physical address
  • Date of Birth
  • Valid Email Address

A $5 minimum opening deposit and balance in a Regular Savings account is required for all account owners. This opening deposit remains in your account and is not considered a fee. You may fund your initial opening deposit using a debit or credit card or you may have the funds transferred from another financial institution.

Patriot Act Notice:


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents.

Choose your Application

Personal Account

Youth accounts are for anyone up to the age of 18.
Accounts for children under age 13 cannot be opened online by children. A parent, grandparent, or legal guardian must open the account online.

Youth Account (ages 0-12)

Youth Account (ages 13-18)

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These accounts are for personal use only. If you intend to use the account for any type of business purpose, then a business account is required. Business accounts are required for the following:

  • Independent Contractor (Consultant, Construction, Home Improvement, Fashion/Cosmetic Sales, etc.)
  • Real Estate Sales (Buying/Selling Commercial or Residential Properties for profit)
  • Rental Properties (not applicable to 4 or less residential units)
  • Sales (Items purchased or produced with the intent to sell in person or online for a profit on an ongoing basis)

To open a business account, please visit one of our branch locations.

Here are all the consumer disclosures you will receive during the new account opening process:

*Joint Ownership allows all owners to perform deposits, withdraws, transfers and the ability to close products (however, only the Primary can close the account in full). Each owner will have full and equal authority to access all funds, regardless of where the funds originated. No owner can remove another owner from the account, they can only remove themselves. The account includes right of survivorship, meaning if one owner passes away, the funds are split among the remaining account owners, regardless of what the deceased owner's Will states. This account also includes rights of setoff, which means funds in this account can be used towards any and all obligations, liability or debt owed by any owner on the account, regardless of where the funds originated from. Please see the following article for more information Joint Ownership vs. Power of Attorney.

1 Not required for minors
2 Second form of valid identification required

Home Equity Loan 5-Year


Visa Balance Transfer


Home Equity Loan 10-Year


*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288. All products and services available on this website are available at all Members 1st branch locations.