MFCU Blog

Renewing Our Commitment To Financial Wellness in 2021

Authored By: Kristen Williamson on 1/11/2021

We are committed to providing solutions that address financial need while providing education and solutions that bring confidence and peace for whenever life happens.

Continue Reading "Renewing Our Commitment To Financial Wellness in 2021" »
  • Share:

10 Tips For Managing Your Credit Report To Improve Your Score

Authored By: Emily Brophy on 12/30/2020

Poor credit doesn’t have to be a permanent thing. Taking a few simple steps now can help improve your score over time. Check out these 10 tips from our credit report partner, Vantage, and the different ways Member’s First can help you each step of the way.

Continue Reading "10 Tips For Managing Your Credit Report To Improve Your Score" »
  • Share:

We're Your ‘Let’s Make 2021 The Year We…’ Partner!

Authored By: Katie Erdody on 12/29/2020

So 2020 wasn’t exactly your best year – so what? Let’s look forward to 2021 and crush it! No matter what goals you’re looking to achieve, we are here for you to make it happen.

Continue Reading "We're Your ‘Let’s Make 2021 The Year We…’ Partner!" »
  • Share:

MFCU gives back this Holiday Season

Authored By: Kristen Williamson on 12/17/2020

As we begin to wrap up the year, many of us are eager to close the door on the challenging year that lies behind us. We hope that you have been positively impacted by the credit union difference this year and that our services will continue to help you in the future. Whatever your holiday celebration may look like this year, MFCU is wishing you a safe and joyful holiday season!

Continue Reading "MFCU gives back this Holiday Season" »
  • Share:

Ways to Give Back This Year

Authored By: Katie Erdody on 12/16/2020

You may not be able to volunteer or give back in your traditional fashion this holiday season, but there are plenty of options offer a helping hand in your community.

Continue Reading "Ways to Give Back This Year" »
  • Share:

Holidays Happen 2020

Authored By: Emily Brophy on 12/10/2020

Fill your plate with more treats and less stress this year! The list of places to be and things to do can make your plate feel extra full around the holidays, but we are here for you!

Continue Reading "Holidays Happen 2020" »
  • Share:

Job Scams

Authored By: Rose Samuel on 12/7/2020

Employment fraud is an attempt to defraud someone seeking employment by requesting personal identifying information and/or payment prior to accepting the job. The best way to determine if a job offer is legitimate is to do your research.

Continue Reading "Job Scams" »
  • Share:

11 Ways to Shop Local on Small Business Saturday

Authored By: Katie Erdody on 11/27/2020

Show your support to small businesses!

Continue Reading "11 Ways to Shop Local on Small Business Saturday" »
  • Share:

A Season of Gratefulness

Authored By: Kristen Williamson on 11/24/2020

As the holiday season approaches, it’s natural to reflect upon the past year. Due to the extremely challenging year that 2020 has proven to be, it is more important now, more than ever, to find ways to feel grateful.

Continue Reading "A Season of Gratefulness " »
  • Share:

How to Protect Yourself Against Fraud and Identity Theft

Authored By: Emily Brophy on 11/19/2020

Keeping our members’ information safe is a top priority at MFCU. November 15th marked the start of National Fraud Awareness Week and we want to share with you some different scams the fraudsters commonly use and tips on how to protect yourself and your information.

Continue Reading "How to Protect Yourself Against Fraud and Identity Theft" »
  • Share:

Happy Birthday MFCU!

Authored By: Katie Erdody on 11/16/2020

Celebrate our birthday with us virtually by taking a look back at our history!

Continue Reading "Happy Birthday MFCU!" »
  • Share:

Where do credit unions come from?

Authored By: Kristen Williamson on 11/12/2020

The principles upon which credit unions were built, such as volunteerism, self-help, and consideration of a person’s character as well as their net worth, were the building blocks on which the credit union movement was built.

Continue Reading "Where do credit unions come from?" »
  • Share:

COVID-19 Pandemic Related Schemes

Authored By: Rose Samuel on 11/10/2020

While the world is struggling to make its way through the current pandemic, fraudsters are in overdrive taking advantage of the need for financial assistance. They are making contact with past fraud victims and the vulnerable in hopes of stealing your money.

Continue Reading "COVID-19 Pandemic Related Schemes" »
  • Share:

The $1,000 Whatever Loan is back!

Authored By: Katie Erdody on 11/2/2020

Thank you for another successful Whatever Loan season!

Continue Reading "The $1,000 Whatever Loan is back!" »
  • Share:

We want to CU vote!

Authored By: Kristen Williamson on 10/27/2020

The 2020 general elections are quickly approaching. Credit union members make up 44% of registered voters in America. Let’s make sure our voices are heard!

Continue Reading "We want to CU vote!" »
  • Share:

Easy & Affordable DIY Halloween Costumes

Authored By: Katie Erdody on 10/26/2020

Halloween is only a few days away – but it’s not too late to put together an easy and affordable Halloween costume.

Continue Reading " Easy & Affordable DIY Halloween Costumes" »
  • Share:

International Credit Union Day is Almost Here!

Authored By: Rachel Finney on 10/14/2020

Each year on the third Thursday in October, the credit union industry celebrates International Credit Union (ICU) Day. This year, ICU Day falls on Thursday, October 15th.

Continue Reading "International Credit Union Day is Almost Here!" »
  • Share:

VISA Rewards Platform Upgrade

Authored By: Rachel Finney on 10/8/2020

In order to make our rewards platform more user-friendly, we did an upgrade to our MFCU Rewards!

Continue Reading "VISA Rewards Platform Upgrade" »
  • Share:

What makes credit unions so amazing?!

Authored By: Rachel Finney on 9/30/2020

Credit Unions around the world abide by a set of guiding principles. One of these principles is “democratic member control”. This sounds great, but what does it actually mean?

Continue Reading "What makes credit unions so amazing?!" »
  • Share:

Get ready for the $1,000 Whatever Loan!

Authored By: Katie Erdody on 9/30/2020

The Whatever Loan begins again on November 2, with some new updates. Request an appointment today!

Continue Reading "Get ready for the $1,000 Whatever Loan!" »
  • Share:

MFCU Family Days at the Pumpkin Patch!

Authored By: Emily Brophy on 9/18/2020

MFCU Family Days at the pumpkin patch are back! We look forward to seeing you at the pumpkin patch near you!

Continue Reading "MFCU Family Days at the Pumpkin Patch!" »
  • Share:

Welcome to our New Website!

Authored By: Emily Brophy on 9/15/2020

We are thrilled to present to you our website refresh. You will notice that some items will be moved or updated. We encourage you to take a look around and see the changes for yourself.

Continue Reading "Welcome to our New Website!" »
  • Share:

Online Shopping Tips

Authored By: Emily Brophy on 9/15/2020

It's no secret that many of us are shopping online more than ever. Whether you're looking for comfies to wear while you work from home or new fall decor, make sure you know where you're shopping online. 

Continue Reading "Online Shopping Tips" »
  • Share:

Introducing our New & Improved Rewards Card!

Authored By: Katie Erdody on 8/20/2020

Our Visa Platinum Rewards card was already pretty rewarding. But we’ve taken that card and added some new features to make it even better than ever!

Continue Reading "Introducing our New & Improved Rewards Card!" »
  • Share:

Thank You to Our Golf Outing Sponsors!

Authored By: Katie Erdody on 7/31/2020

Thank you to our Golf Outing Sponsors who helped us raise money for the MFCU Scholarship Fund!

Continue Reading "Thank You to Our Golf Outing Sponsors!" »
  • Share:

COVID-19 Impact at MFCU

Authored By: Cathleen Louisignau on 6/8/2020

We are closely monitoring national, state, and local information and mandates pertaining to COVID-19 and we will be continuing to follow and enforce our COVID-19 Preparedness and Response Plan.

Continue Reading "COVID-19 Impact at MFCU" »
  • Share:

When Life Happens, It’s Important to Have Somewhere to Turn

Authored By: Katie Erdody on 5/11/2020

We know that life happens. We’ve been helping members in the community for over 80 years deal with life events. Whether your emergency fund didn’t stretch far enough, or maybe your furnace or vehicle chose now to break down. We know you have a lot to think about right now – we get it! We’re here to help you when life happens.

Continue Reading "When Life Happens, It’s Important to Have Somewhere to Turn" »
  • Share:

A Q&A with MFCU CEO Eric Brubaker and EVP Carrie Iafrate

Authored By: Emily Brophy on 4/23/2020

Members First Credit Union’s CEO and EVP answer questions about COVID-19, the future of banking, and their ongoing commitment to their members and communities.

Continue Reading "A Q&A with MFCU CEO Eric Brubaker and EVP Carrie Iafrate" »
  • Share:

National Credit Union Youth Month!

Authored By: Emily Brophy on 4/20/2020

April is National Credit Union Youth Month!

Continue Reading "National Credit Union Youth Month!" »
  • Share:

Small Business Relief

Authored By: Katie Erdody on 3/31/2020

During these unprecedented times, we are being impacted in many ways. As we shelter-in-place to keep ourselves and loved ones safe and well, our communities and small businesses are being faced with the challenge of how to stay open.

Continue Reading "Small Business Relief" »
  • Share:

Ways to Support Small Businesses

Authored By: Katie Erdody on 3/25/2020

We’re proud to serve local businesses in our community. In these challenging times, local companies and entrepreneurs need our help now more than ever. Show your support to small businesses in your community!

Continue Reading "Ways to Support Small Businesses" »
  • Share:

Be on the Lookout for COVID-19 Frauds and Scams

Authored By: Katie Erdody on 3/24/2020

The safety of our members is our top priority.  As your financial and community partner, we are looking out for the safety of your financial as well as physical health. Here are links to the latest frauds and scams related to COVID-19 to watch out for...

Continue Reading "Be on the Lookout for COVID-19 Frauds and Scams" »
  • Share:

Credit Unions Are Focused On Serving You!

Authored By: Rachel Finney on 3/23/2020

News & Resources

Credit Unions Are Focused On Serving You!

Credit Unions gained popularity in America in response to a famous downturn in the country’s economy, The Great Depression. In 1934, President Franklin Roosevelt signed the Federal Credit Union Act in order to “make credit available and promote thrift through a national system”.

Fast forward decades later, credit unions helped our members out of the Recession of 2008 by putting our members needs first and offering loans and mortgages, which many other financial institutions were unable to do at the time.

Our current situation is no different. COVID-19 may be changing the way in which we interact with the world but one thing remains the same: your credit union is here for you!

Credit unions have a unique commitment to helping our communities, local businesses, and the people that make up both. As not-for-profit organizations, we don’t answer to shareholders, we are member owned and operated. We exist to serve you, even during the hardest of times. If the COVID-19 pandemic is causing you financial hardship, please call our Contact Center to discover ways Members First Credit Union can help.

Don’t forget, your money is safe, and your accounts are fully insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. There is no risk to keeping money in your account, but there are countless risks to holding cash.

Thank you for being a member of Members First Credit Union. We are proud to be a part of the credit union difference and we hope you are too!

 

 

  • Share:

MFCU is here to help!

Authored By: Rachel Finney on 3/23/2020

As changes are made in our communities to help prevent the spread of COVID-19, Members First Credit Union wants to ensure you they are doing their part to keep their members, teams, and communities healthy and well.

Continue Reading "MFCU is here to help!" »
  • Share:

Coronavirus (COVID-19) Impact

Authored By: Rachel Finney on 3/13/2020

As changes are made in our communities to help prevent the spread of COVID-19, we want to ensure you that Members First Credit Union is doing our part to keep our members, teams, and communities healthy and well.

Continue Reading "Coronavirus (COVID-19) Impact" »
  • Share:

Annual Meeting

Authored By: Rachel Finney on 3/4/2020

MFCU Happenings! 

Annual Meeting!

Join us at our 84th Annual Meeting for elections, giveaways, cake, and more! The Annual Meeting will be on Tuesday, June 16, 2020 at 6:30pm at:

Members First Credit Union
Wackerly Branch
600 W Wackerly St
Midland, MI 48642

Board Members who are up for re-election include:

  • Tom Taylor
  • George Yost
  • Gary Schenk
  • Doug Todd

Supervisory Committee members who are up for re-election include:

  • Joseph Kreusch
  • Grant Murschel

If you have any questions, please contact Rachel Finney at rfinney@mfcu.net or 855.835.6328 x1288.

  • Share:

Break Up With Your Bank!

Authored By: Emily Brophy on 2/12/2020

Not so convinced that your bank is “the one”? Members First Credit Union is ready to prove we are your perfect match! We aren’t like all those other guys… we will treat you the way you should be treated.

Continue Reading "Break Up With Your Bank!" »
  • Share:

22nd Annual Swinging for Scholarships Golf Outing!

Authored By: Katie Erdody on 2/5/2020

Community Happenings! 

22nd Annual MFCU Swinging for Scholarships Golf Outing!

Golf Outing

Members First Credit Union is committed to encouraging a better tomorrow in our community and we ask you to be a part of that! Through your participation, every dollar raised at the golf outing goes directly to the MFCU scholarship program. In 2020, MFCU will once again be giving out a total of $10,000 in scholarships.

Save the date!

Our 22nd Annual Swinging for Scholarships Golf Outing will be on Tuesday, June 9, 2020 at Currie Municipal Golf Course located in Midland, MI.

Register Online Now!

Interested in being a sponsor? Click here! 

For any questions or concerns, please contact:

Katie Erdody
kerdody@mfcu.net
855-835-6328  x.1263

  • Share:

When Life Happens, Get A Personal Loan

Authored By: Katie Erdody on 2/5/2020

We know that life happens.  Sometimes your emergency fund didn’t stretch far enough, or maybe Spring Break with your family racked up a little too high of a balance on your credit cards.  We know that you’re already busy enough balancing your family, work and life in general – we get it!  

Personal Loan Benefits

How does debt consolidation work?

Debt consolidation works by taking one loan to pay off several loans or lines of credit from different creditors. By combining multiple credit card or loans into one, you can have one manageable monthly payment.  No more trying to remember multiple payment due dates and amounts!  You can refinance debt from medical issues, credit cards, paying for a wedding or funeral, and so much more! Interested?  Apply for a personal loan today and consolidate your debt into one monthly payment! 

WITH LOW RATES AND A VARIETY OF TERMS, IT’S TIME TO SPRING CLEAN YOUR FINANCES - AND YOUR LIFE - WITH A
PERSONAL LOAN FROM MEMBERS FIRST CREDIT UNION!**

 

*Get up to one-half percentage point APR off your loan rate based on your relationship with the credit union.

**Subject to credit approval.  All rates are subject to change.

Apply Now

  • Share:

2020 Auto Loan Incentive!

Authored By: Rachel Finney on 1/28/2020

2020 Auto Loan Incentive!

We know that a vehicle is more than just a vehicle. It can be a school bus, your office, and even sometimes a moving restaurant. We also know that a car loan is more than just a loan. It’s a, “this is going to be the best memories making road trip car ever” loan!

Now there’s even more reason to refinance your auto loan with Members First Credit Union. For a limited time, when you refinance an auto loan with MFCU, we will give you 1% cash back of the loan amount!* That means that if you receive an auto loan of $10,000, we’ll give you $100 on the spot!  Plus, you’ll save even more money with great benefits like:

  • No application fee (other financial institutions can charge up to $150)
  • Get up to an additional 0.5% percentage point off your loan rate (APR) based on your relationship with the credit union
  • TruStage Auto Insurance discounts
  • Automatic payments from your payroll or designated account

Stop in to your nearest branch and start enjoying the benefits of an MFCU auto loan today!

Apply Now

*Cash back is 1% of loan amount. Loan must be a minimum value of $5,000. Maximum cash back amount is $300. Offer expires 3/31/2020. Some restrictions may apply.

  • Share:

Earn Double Rewards with your MFCU Platinum Rewards Visa!

Authored By: Katie Erdody on 11/26/2019

We know that how you spend your money is a reflection of who you are - from buying groceries for your family to those concert tickets to see your favorite band.

Let’s make this the best holiday season ever with an MFCU Visa Platinum Rewards credit card! What are you waiting for?

Visa Benefits

Double Points

That’s right, 2 points per every dollar spent!  

 

DID YOU KNOW? YOU COULD BE SPENDING WITH YOUR VISA TODAY!

All of our branches now have the ability to print your card if you are approved, so you could start using your MFCU Visa card and earning MFCU Rewards points right away.

Apply Now

Approval and credit limit based on credit worthiness. Some restrictions may apply. *APR for MFCU Visa Platinum Rewards cards is between 9.59% to 17.90% based on credit worthiness.  Federally Insured by NCUA.
 

THE DOUBLE REWARD PROMO EXPIRED 12/31/19.  STAY TUNED FOR FUTURE REWARDS PROMOTIONS!

 

  • Share:

Adopt-An-Organization

Authored By: Rachel Finney on 11/22/2019

Adopt-An-Organization!

CDP

Our Dartmouth Branch in Midland is trying to decide what organization to donate money to that they have been raising all year to help those in need. During the year, the staff holds bake sales, jean days, and other fundraisers in order to raise money and be able to donate the proceeds locally. Help us decide which local organization should receive the donation. Stop into the Dartmouth Branch, and cast your vote by placing a sticker next to your favorite organization. The organization with the most stickers by Dec. 16th will be the winner of the Adopt-An-Organization funds! The choices are:

Diaper Alliance

Murphy's Meals

Midland Humane Society

Aarons Gifts From Home

  • Share:

Credit Union Philosophy in Action!

11/22/2019

Credit Union Philosophy in Action!

CDP

We challenged our staff last week to preform random acts of kindness in celebration of World Kindness Day as part of our Community Difference Project. We were extremely proud of our staff as they were able to impact community members across the state by handing out laundry kits, providing goodie bags to seniors, purchasing coffee or lunch and even paying off a daycare bill.

The Community Difference Project is an ongoing project that continues to provide support to MFCU communities year round. It was created on the foundation of the credit union philosophy of “people helping people.” Staff members at MFCU are committed and passionate about living out this philosophy, not only by providing outstanding member service in the forms of building financial stability and ongoing financial education, but also providing support to non-profit organizations. Support is given through monetary donations, random acts of kindness and volunteering.

We are excited to be sharing the philosophy of “people helping people,” especially being able to see another area organization embrace the phrase. Located in the Midland, the corporate headquarters of MFCU, the Midland County Emergency Food Pantry Network (EFPN) in September unveiled renovations to their building along with a mural that reads “people helping people.” This shared phrase is a tribute to the value of giving back. Each person can encourage a better tomorrow by positively impacting our community by helping another.  Andy Ault, EFPN board vice president, said “We value corporate partners like MFCU who provide volunteer and financial support to help us deliver our vision of ‘always food in every home’.”

EFPN is a non-profit, tax-exempt charitable organization established in 1983 as a cooperative effort to provide food and supplies to people in Midland County who have emergency needs and are living near or below the Federal poverty level income guidelines. Information about EFPN can be found on their website: midlandcountyefpn.org. They are currently collecting for the Community Thanksgiving Food Collection in the form of food, personal care items, cookies and cash donations.

Visit mfcu.net/communitydifferenceproject to learn more about the MFCU Community Difference Project.

Click here to view picturse from World Kindness Day!

  • Share:

Holidays Happen!

Authored By: Emily Brophy on 11/19/2019

We're not just a credit union... we're your "make the holidays happen" partner!

The list of places to be and things to do can feel overwhelming and expensive around the holidays. Whether it's money for extra groceries, unexpected bills, or new kitchen appliances, MFCU has the personalized solutions to make this holiday season the best yet. 

Holiday Options

Find your solution.

Want to find your "Make the Holidays Happen" solution? Stop by a local branch and one of our loan officers would be happy to help you!

 

WHATEVER LOAN: A $25 processing fee will be assessed and may be funded with the loan, bringing total loan amount to $1,025. In order to receive the Whatever Loan, you must not have caused MFCU a loss, must be at your place of employment for at least 6 months, and be eligible for membership. A Whatever Loan of $1,025, covered with life and disability insurance, will have 12 monthly payments of $95.80 and an annual percentage rate of 22.750% APR. Insurance not required. Additional restrictions may apply.

VISA: Approval and credit limit based on credit worthiness. Some restrictions may apply.

SKIP-A-PAY: All loans must be current to qualify for a Skip-A-Pay. A Skip-A-Pay will not be granted if you have caused the credit union a loss, have any charged off loans that were not redeemed or have a current Trouble Debt Restructure or Loan Modification. First Mortgages, Second Mortgages, Home Equity Line of Credit Loans, Prime Line of Credit Loans, Overdraft Line of Credit Loans, Balloon Loans, ERN Bridge Loans, Whatever Loans, Business Loans and VISA cannot be postponed. Loans with active creditor-placed insurance, and those being paid by disability insurance, are ineligible for Skip-A-Pay. A $25 fee will be charged for any skipped payment. Skipped payment will be added to the end of your loan and the date of the final payment will be adjusted to account for the skipped payment. Interest will accrue on the balance of the loan during the skipped payment, and may cause an increased final payment. The credit union reserves the right to disapprove any request for postponement with proper notification and disclosure. Other restrictions may apply.

SIGNATURE LOAN: Loan subject to credit approval. Some restrictions apply.

  • Share:

Fraud Scams

Authored By: Emily Brophy on 11/18/2019

Fraud Scams

We want to give you some information, tips, and tricks on common scams that happen today. Please take a look at the difference types of scams below and see what you can do to protect yourself as well as how MFCU is helping with the scams. 

National Fraud Awareness Week

Romance Scams

Scammers create fake online dating profiles to lure victims into giving them money.

What we do to protect the Credit Union and our members:

  • In the Branch- Build member relationships to strengthen trust between our members and the credit union. This helps our members feel comfortable when talking to us about their financials.
  • Contact Center- Ask questions about transactions and notate anything out of the ordinary for our members. Inform them of the high probability of scam involvement.
  • Back Office- Use programs to search for unusual activity on our members’ accounts.

What you can do to protect yourself from these scams:

  •  Be sure you actually KNOW the person requesting money.
  •  Talk to your friends, family and FI about the transaction and relationship.
  •  Keep your info private!

Phishing, Vishing, SMiShing

Social engineering tactics used to entice recipients to act quickly through spoofed channels.

What we do to protect the Credit Union and our members:

  • In the Branch- Change account numbers, home banking credentials, and add additional security features to your account in the event of a personal/financial info breach.
  • Contact Center- Ask personal identifying questions that could only be answered by the account holder.
  • Back Office- Monitor home banking for suspicious logins and mobile deposit/bill pay activity.

What you can do to protect yourself from these scams:

  •  Do not clink on links or open attachments in emails from individuals you don’t know.
  •  Contact your financial institution at a number of record, not the number provided in a suspicious email or text.
  •  Contact your financial institution to verify the legitimacy of any phone call received asking you to surrender personal information.

Secret Shopper

Fraudsters pose as companies offering mystery shopping services to con shoppers out of money.

What we do to protect the Credit Union and our members:

  • In the Branch- Decline or put holds on suspicious checks to protect the member and CU from a potential loss once the counterfeit check is returned.
  • Accounting- Checks are run through a Fraud Solution program to alert of high risk items.
  • Back Office- Use programs to search for unusual activity on our members’ accounts.

What you can do to protect yourself from these scams:

  • Research any potential employment company online for scams on sites other than what were provided to you by the company.
  • Talk with your financial institution about a check received in the mail to purchase gift cards.
  • Stop communication with “the fraudster” once a scam is identified.

Advanced Fee

Victim enticed to wire upfront fees for a fictitious promise of receiving a gift of money.

What we do to protect the Credit Union and our members:

  • In the Branch- Review request and talk with member to identify any red flags.
  • Accounting- Review request and member account history before approving or denying the wire.
  • Back Office- Restrict account access once the request has been denied to prevent further fraud attempts.

What you can do to protect yourself from these scams:

  •  Contact other family members about proposed large inheritance payouts.
  •  Ask yourself, “Did I play the lottery?”, when contacted about a large prize.
  •  Talk to your financial institution about the entire situation before sending any money.

Grandparent Scam

Seniors receive phone calls from scam artists posing as a grandchild or related party urgently requesting money.

What we do to protect the Credit Union and our members:

  • In the Branch- Build member relationships to give the trust and comfort needed to protect our members and their assets.
  • Contact Center- Ask specific identifying questions and identify red flags of a scam.
  • Back Office- Monitor account activity for changes and reach out to our members in attempts to avoid any further losses.

What you can do to protect yourself from these scams:

  •  Try to directly contact the family member who is allegedly in distress.
  •  Talk with other family members about the strange phone call.
  •  Do not purchase gift cards and provide the gift card information over the phone as payment.

Money Mule

Victim is asked for account information to receive a deposit via check, ACH (SSI/SSA), or wire. They are then instructed to keep a small portion of the funds, and send the rest to the scammer. This activity can be ongoing, and is often used to fund illegal activities. Although the consumer may not lose money, they are tricked into participating in illegal activity

What we do to protect the Credit Union and our members:

  • In the Branch- Review account activity and the source of the deposit. Ask questions about who sent it and what they are instructed to do.
  • Accounting- Review ACH and wire deposits for suspicious activity.
  • Back Office- Monitor incoming and outgoing funds that are not normal for the account. Reach out to the branch and member to discuss the activity and prevent any further fraud.

What you can do to protect yourself from these scams:

  • Do not share your account information.
  • Make sure you know the person with whom you are engaged in financial transactions.
  • Talk to your financial institution about suspicious inquiries for money.

 

  • Share:

World Kindness Day!

11/12/2019

Members First Credit Union to celebrate World Kindness Day

Members First Credit Union is celebrating World Kindness Day on Wednesday, November 13 through their Community Difference Project.

Members First Credit Union (MFCU) is engaging all staff in a branch-wide celebration of World Kindness Day on Wednesday, November 13 by preforming random acts of kindness. Staff is excitedly planning how their teams can positively impact the community and put a smile on a community members face. 

World Kindness Day was introduced in 1998 by the World Kindness Movement to promote kindness though the world and is said to be observed annually by many countries. No matter what the history is, MFCU decided to celebrate as the message focuses on good deeds, being a positive member of our community and follows the credit union philosophy of “people helping people.”

Everyone can participate in World Kindness Day, and MFCU encourages you to do so! Random acts of kindness can be a small, simple act with a huge impact on the person it reaches. Examples of random acts of kindness include purchasing the meal behind you in a drive thru lane, leaving a sticky note with a positive message on it, or visiting with members in a retirement home. We can all encourage a better tomorrow by positively impacting our community today.

Although MFCU is participating in World Kindness Day, it is part of their philosophy to make a difference in their communities all year long, which is why they have the Community Difference Project.  The Community Difference Project was created on the foundation of the credit union philosophy of “people helping people.” Staff members at MFCU are committed and passionate about living out this philosophy by providing non-profit organizations support through monetary donations, random acts of kindness and volunteering. Visit mfcu.net/communitydifferenceproject to learn more about the MFCU Community Difference Project.

Members First Credit Union: Members First Credit Union is a financial institution established in 1936 that is dedicated to encouraging a better tomorrow for their members and communities. Their promise is to be trustworthy, caring, and enthusiastic to help their members succeed while minimizing financial stress and maximizing happiness. At MFCU, it comes naturally to listen carefully and build relationships in order to not only find solutions for their members but also provide support to people in need through volunteering and community difference projects.

  • Share:

The $1,000 Whatever Loan is back!

Authored By: Katie Erdody on 11/4/2019

Whatever Loan

The $1,000 Whatever Loan is back!

The $1,000 Whatever Loan with no credit score limit* is back for a limited time. 

What is a Whatever Loan?
It's a bills-paying, vacation-taking, 'I'm going to use this for whatever' loan!

Whether you want to give your family the best holiday season yet, finally catch up on those bills, or even just get ready for the long winter ahead, the Whatever Loan could be right for you.

 

Come see us at your favorite branch and find your happy with the $1,000 Whatever Loan.

Apply Now

Invite your friends and family to find their happy with us. The Whatever Loan might be just what they need too! If the Whatever Loan doesn’t meet your needs, we have other lending options available.

*A $25 processing fee will be assessed and may be funded with the loan, bringing total loan amount to $1,025.  In order to receive the Whatever Loan you must not have caused MFCU a loss, must be at your place of employment for at least 6 months, have direct deposit in your checking account at MFCU before funds will be disbursed, and be eligible for membership. A Whatever Loan of $1,025, covered with life and disability insurance, will have 12 monthly payments of $96.31 and an annual percentage rate of 22.80% APR.  Insurance not required.  Additional restrictions may apply. Offer ends 12/31/2019.

 

THE $1,000 WHATEVER LOAN EXPIRED ON 12/31/19.

  • Share:

Meet our Mortgage Team!

Authored By: Emily Brophy on 10/15/2019

Meet our Mortgage Team!

Get to know the MFCU mortgage team!

Our mortgage team is great! They work hard to help provide support and education to assist you in accomplishing your housing dreams. Get to know the team better by taking a peak at these fun facts and business philosophies.

 

MItzie Brimmer
MITZIE BRIMMER, Real Estate Lending Manager, Midland

Years in the business
25

Favorite part of the job
Seeing my team be happy and successful

Favorite local spot
Lucky’s

Best compliment someone could ever give you
Personally: Talking kindly about my kids
Professionally:That I made a positive impact

Something people don’t know or would be surprised to learn about you
I was in a band for 5 years (until summer of 2018)

What is your approach/philosophy for helping members?
Dig in and find out what their short term and long term goals are, then structure in accordance with that.

Advice for would-be home buyers?
Get guidance, understand budgeting, take your time and set yourself up for successful home ownership

 

Ann Kwast
ANN KWAST, Mortgage Loan Officer, Midland

Years in the business
Years in the business: 33
Years with the MFCU Mortgage Dept: 5

Favorite part of the job
Informing members that have been approved & closing’s

Favorite local spot
Duncan’s gun shop

Best compliment someone could ever give you
I made the transaction easy for them

Something people don’t know or would be surprised to learn about you
I danced competitively in College

What is your approach/philosophy for helping members?
Keep an open mind

Advice for would-be home buyers?
Save money

NMLS #824420

 

Dallas Gerow
DALLAS GEROW, Senior Mortgage Lender, Clare

Years in the business?
25+ years

Favorite part of the job?
Helping a first time home-buyer achieve their dream of home ownership

Favorite local spot
Buffalo Wild Wings

Best compliment someone could ever give you
“You really did a great job explaining those documents to me”

Something people don’t know or would be surprised to learn about you
Fall is my favorite time of year, I just love being outside when the temperatures are cooler but not too cold

What is your approach/philosophy for helping members?
Every situation is different, listen to the member’s needs, and find the best solution for them

Advice for would-be home buyers?
Take care of your credit and save, save, save.

NMLS #573109

 

Carol Boot
CAROL BOOT, Mortgage Loan Officer, Grand Rapids

Years in the business
I’ve been in credit unions for over 30 years with at least half of that time in mortgages

Favorite part of the job
I most enjoy seeing the satisfaction on the face of a first time home buyer after they get their keys

Favorite local spot
Lake Michigan

Best compliment someone could ever give you
that the mortgage process was enjoyable

Something people don’t know or would be surprised to learn about you
I used to cross country ski a lot when our daughter was younger

What is your approach/philosophy for helping members?
Putting myself in their shoes – my home buying experience was terrible (30 years ago) and I don’t want people to have to go through that because that is not something you easily forget

Advice for would-be home buyers?
Make an appointment with a mortgage professional

NMLS #1101504

 

Wendy Laurenz
WENDY LAURENZ, Mortgage Loan Officer, Midland

Years in the business
27 years

Favorite Part of the job?
Making a difference, helping people, telling someone their loan is approved.

Favorite local spot
Home

Best compliment someone could ever give you
I am doing a great job and being appreciated.

Something people don’t know or would be surprised to learn about you
I can dislocate both hips.

What is your approach/philosophy for helping members?
Be kind treat all members the same, to make them feel comfortable and trust me to help them with their needs.

Advice for would-be home buyers?
Work on saving money for down payment and closing cost, be aware of your credit scores, and get pre-approved prior to looking at homes.

NMLS #732417

 

Melissa Syring
MELISSA SYRING, Mortgage Loan Officer, Midland

Years in the business
19 years

Favorite part of the job
Helping members become financially stable and educating them on finances.

Favorite local spot
Going to a Loons game

Best compliment someone could ever give you
That I was easy to work with and I explained everything to them.

Something people don’t know or would be surprised to learn about you
I love to travel whenever possible.

What is your approach/philosophy for helping members?
Explaining everything to members in a way they can understand and always making sure they are happy with the transaction.

Advice for would-be home buyers?
You can never save enough money for the purchase of a new home

NMLS #991485

 

AMANDA LUDLUM, Mortgage Underwriter, Midland

Years in the business
4 years

Favorite part of the job
Being able to make members dream of owning a home a reality

Favorite local spot
The Farmers Market!

Best compliment someone could ever give you
The best compliment is when others look to me for guidance or an example

Something people don’t know or would be surprised to learn about you
I snort when I laugh

What is your approach/philosophy for helping members?
I think about what questions I may have and how I would want to be treated and strive to exceed my own expectations.

Advice for would-be home buyers?
Try to enjoy the process and don’t stress. Our loan officers are experts at what they do.

 

JASON SIEGGREEN, Mortgage Loan Processor, Midland

Years in the business
19 Years

Favorite part of the job
Getting Loans to Close

Favorite local spot
Wixom Lake

Best compliment someone could ever give you
Great Job

Something people don’t know or would be surprised to learn about you
I am Color Blind

What is your approach/philosophy for helping members?
Get them an answer as quickly as possible

Advice for would-be home buyers?
Get a Home Inspection

 

LAURA BAILEY, Mortgage Loan Processor, Midland

Years in the business
1-1/2 years

Favorite part of the job
That moment I see the words “clear to close”

Favorite local spot
Grove Tea Lounge, Coffee Chaos

Best compliment someone could ever give you
The best compliments are non-verbal – when someone emulates something I’ve done or said

Something people don’t know or would be surprised to learn about you
I used to work security at rock concerts

What is your approach/philosophy for helping members
Always try to do more than they expect

Advice for would-be home buyers?
Save up for a good down-payment, don’t buy beyond your means

 

SARAH DEGG, Mortgage Administrator, Midland

Years in the business
5 months for mortgages, 3.5 years for banking

Favorite part of the job
Awesome co-workers

Favorite local spot
WhichCraft

Best compliment someone could ever give you
That my outfit is cute!

Something people don’t know or would be surprised to learn about you
I am a crazy dog momma

What is your approach/philosophy for helping members?
To put yourself in their shoes

Advice for would-be home buyers?
Have money set aside for a down payment

 

RACHEL JUNGNITSCH, Mortgage Loan Processor, Midland

Years in the business
3 years in the mortgage world, 10 in the banking world

Favorite part of the job
Helping members from all over the state get into their perfect home.

Favorite local spot
Dow Gardens no matter what season its always beautiful and relaxing!

Best compliment someone could ever give you
Simple just by telling me I’m doing a good job and they appreciate me

Something people don’t know or would be surprised to learn about you
I like to name my vehicles after sea animals

What is your approach/philosophy for helping members?
Being honest and making sure they know what the road to the mortgage closing looks like.

Advice for would-be home buyers?
Don’t get that Kohl’s credit card it’s not worth it!!

  • Share:

International Credit Union Day!

Authored By: Rachel Finney on 10/11/2019

International Credit Union Day!

Local Service. Global Reach.

 

On ICU Day, the world celebrates credit unions!

 

October 17th, 2019 marks the 71st International Credit Union Day, which is hosted by the Credit Union National Association (CUNA) and the World Council of Credit Unions. International Credit Union Day encourages credit unions around the world to raise awareness about the credit union difference and the positive impact credit unions have in our communities.

 

This year's International Credit Union Day theme is "Local Service. Global Reach". Credit unions exist in 117 countries and are home to over 260 million members worldwide. Each credit union works on a local scale, which together makes the world a better place!

 

The credit union movement began in Germany in the 1800s with the innovative idea that people could achieve a better standard of living for themselves and others by pooling their savings and making loans to neighbors and co-workers. Since this concept began, credit unions began to spread across the world, based upon important principles such as: democratically owned by their members, financial education for their communities, and an emphasis on volunteerism.

 

We love being a part of the credit union family and we hope you do too!

 

Stop into your local MFCU branch on Oct. 17th to celebrate with us and enjoy doughnuts, cider, and credit union goodies!

  • Share:

Support the American Cancer Society!

Authored By: Rachel Finney on 10/3/2019

Support the American Cancer Society!

CDP

Our branches in Clare, Gladwin, and Harrison are collecting donations for the American Cancer Society and Relay for Life until Oct. 31st! In addition to donations, our staff has made bras for the Boobies, Bangles, and Beads 2019 Fundraiser - make sure to stop by the branch and check them out!

Our team would greatly appreciate your support, so please drop by and make a donation! 

  • Share:

Are you ready for the $1,000 Whatever Loan?!

Authored By: Katie Erdody on 10/2/2019

Whatever Loan

Get ready for the $1,000 Whatever Loan!

The $1,000 Whatever Loan with no credit score limit* begins on November 4! Are you ready?

 

We want you to enjoy the benefits of the Whatever Loan as soon as possible. Whether you’ve received the Whatever Loan in the past or you’re looking to apply for the first time, here’s a list of what you’ll need to have in place:

 

  • Direct Deposit of your net pay into an MFCU checking account
  • Most recent pay stub

 

Invite your friends and family to find their happy with us. The Whatever Loan might be just what they need too!

 

If the Whatever Loan doesn’t meet your needs, we have other lending options available.

 

*A $25 processing fee will be assessed and may be funded with the loan, bringing total loan amount to $1,025.  In order to receive the Whatever Loan you must not have caused MFCU a loss, must be at your place of employment for at least 6 months, and be eligible for membership. A Whatever Loan of $1,025, covered with life and disability insurance, will have 12 monthly payments of $95.80 and an annual percentage rate of 22.750% APR.  Insurance not required.  Additional restrictions may apply.

  • Share:

National Voter Registration Day!

Authored By: Rachel Finney on 9/23/2019

Find out how to register to vote!

Continue Reading "National Voter Registration Day!" »
  • Share:

Family Day at the Pumpkin Patch

Authored By: Rachel Finney on 9/16/2019

MFCU News & Resources! 

Family Day

Family Day at the Pumpkin Patch!

We are hosting 3 separate Family Days this year, so join us at the pumpkin patch near you!

Stop by  between 3pm - 7pm and receive free:

  • Admission
  • Access to playground
  • Cup of cider and donut
  • and more!

No RSVP required - just let them know you're with MFCU!

Questions? Contact Mara Simanskey at msimanskey@mfcu.net or 855.835.6328 x1282.

  • Share:

Enter to win Detroit Lions Tickets!

Authored By: Rachel Finney on 8/26/2019

MFCU News & Resources! 

Detroit Lions Tickets

Enter to win Detroit Lions tickets to the Thanksgiving Day Game!

We are currently giving away 4 Detroit Lions tickets to the Thanksgiving Day game on November 28, 2019! If you would like to enter, please stop by your local branch before 5pm on September 20, 2019 and fill out an entry slip. Good luck!

Click here for Official Rules.

  • Share:

HELOC Discounted Rate Promotion!

Authored By: Rachel Finney on 8/22/2019

MFCU News & Resources! 

Home improvement

HELOC Discounted Rate Promotion!

A Home Equity Line of Credit allows you to use the equity in your home to help pay for things like needed home renovations, high-interest debt, or even an upcoming event.

For a limited time only, when you open a Home Equity Line of Credit with MFCU you could be eligible for a 1% reduction in your interest rate for the first 12 months! 

Apply Now

Looking for more information? Stop into your local branch or ask to speak to a member of our Mortgage Team today by calling 855.835.6328.

Offer subject to credit approval. Requires a minimum line of $50,000. Other restrictions may apply. Promotion subject to end at any time.

  • Share:

Loan Specials!

Authored By: Rachel Finney on 7/16/2019

MFCU News & Resources! 

Loan Specials!

Come into our Wackerly and Dartmouth branches to experience our On Par Loan Specials!

· .25% off Auto Loan interest rate

· .25% off Consumer Loan interest rate

· $250 off closing costs for a Mortgage

· $100 off appraisal fees for HELOC

Hurry in - this offer expires 7/20/19!
New loans only. Final loan rate based on credit worthiness. Some restrictions may apply.

  • Share:

New Auto Loan Rate Promotion

Authored By: Rachel Finney on 7/5/2019

MFCU News & Resources! 

New Auto Loan Rate Promotion!

We know that a vehicle is more than just a vehicle. It can be a school bus, your office, and even sometimes a moving restaurant.

Let us help you save money while you enjoy your new ride!

Auto Rate

Click here for a full list of auto loan rates!

Ask to speak to a loan officer today by calling 855.835.6328.

*APR = Annual Percentage Rate. Rates featured are listed “as low as” and subject to credit approval. Promotional rate expires 9/30/19.

  • Share:

Foster Care Awareness Month!

Authored By: Rachel Finney on 4/29/2019

Community Happenings! 

Foster Care Awareness Month!

CDP

Did you know May is Foster Care Awareness Month? Did you know according to the Michigan Adoption Resource Exchange there are more than 3,000 children in Michigan waiting for permanent, loving homes to call their own each year?
 

Staff from our branches in Grand Rapids are teaming up to raise money for D.A. Blodgett - St. Johns which supports children in foster care. In May, their focus is to put together personal backpacks for children of all ages. The "care bag" contains items they can immediately call their own upon moving into their foster home. Our Kentwood Branch, Jenison Branch, and Ann St. Branch in Grand Rapids are all collecting needed items for the backpacks and cash donations during the month of May. Below is a list of needed items showing what is placed in each category of "care bag". 


Each "Baby Bag" (age 0-2 years) has:

  • Diapers/wipes
  • Onesies (2)
  • Bibs (2)
  • Booties/socks
  • Outfit
  • Sleeper
  • Blanket
  • Baby bath
  • Baby lotion
  • Baby powder
  • Washcloth
  • Bottle - 12 month and under
  • Pacifier - 12 month and under
  • Sippy Cup
  • Diaper Cream
  • Infant toy

 

Each "General Care Bag" contains:

  • Sweatshirt
  • t-shirts
  • shorts
  • PJ's
  • 2 pair socks (or package)
  • 2 pair underwear (or package) (older boys prefer boxers)
  • A backpack/duffel bag
  • Toiletries (trial size preferred) (soap, shampoo, comb, deodorant, toothpaste/brushes)
  • Books/Coloring books
  • Blanket - small to medium fleece preferred
  • Age appropriate small toy, stuffed animal, game, or other fun item

 

Each branch in Grand Rapids will also be holding bake sales on Friday, May 3rd and Friday, May 31st. The Ann St. Branch will have our prize wheel set up in the branch on May 24th, so make sure to stop by to spin the wheel and win a prize! All proceeds will be donated to D.A. Blodgett - St. Johns.

 

There is also a Foster Care Awareness Month Breakfast Fundraiser being held on Thursday, May 2 at the Freeland Sports Zone located at 5690 Midland Rd. in Freeland, MI. Doors open at 7:15am and the complimentary breakfast is from 7:30am - 8:30am. If you are interested in attending, please RSVP to Jalisha Henry by calling 567.204.3429 or by emailing JHenry@aoicw.org. This fundraiser is being held by Adoption Option of Midland, MI. 

  • Share:

Puppy Day at the Wackerly Branch!

Authored By: Rachel Finney on 4/23/2019

Community Happenings! 

Puppy Day at the Wackerly Branch!

CDP

Recently, Live Oak Coffeehouse partnered with the Humane Society of Midland County to host a puppy day! We loved the idea and wanted our members to have the chance to take a mid-week break with some puppies as well!

Join us on Thursday, April 25th at the Wackerly Branch in Midland from 1:30pm - 2:30pm for playtime with the puppies! The Humane Society of Midland County will be on site to let you visit with the pups and will be accepting donations as well!

Needed items include:
- bleach
- liquid laundry detergent
- Dawn dish soap
- small spray bottles
- tall kitchen drawstring bags
- 55 gallon garbage bags
- hand sanitizer
- Odoban (cleaner for floors)
- rubber gloves
- Pine Sol
- any brand dry dog food
- canned dog food (any type)
- sturdy leashes (all sizes)
- martingale style collar
- bland dry cat foot
- any brand kitten food
- canned pate-style cat food
- clay clumping litter
- thermal laminating pouches (9in x 11.4in)
- reams of copy paper
- office supply store gift card
- two pocket folders
- staplers

Any questions?

HSOMC  -  989.835.1877
4371 E Ashman St. - Midland, MI 48640

MFCU  -  855.835.6328

  • Share:

21st Annual Swinging for Scholarships Golf Outing!

Authored By: Rachel Finney on 4/18/2019

Community Happenings! 

21st Annual MFCU Swinging for Scholarships Golf Outing!

Golf Outing

Save the date! Our 21st Annual Swinging for Scholarships Golf Outing will be on Tuesday, June 18, 2019 at Currie Municipal Golf Course located in Midland, MI. Breakfast and registration will be from 8am - 8:45am, with a shotgun start at 9am. The cost to play is $65 per person / $260 per team. 

Members First Credit Union is committed to encouraging a better tomorrow in our community and we ask you to be a part of that! Through your participation, every dollar raised at the golf outing goes directly to the MFCU scholarship program. This year, MFCU will be giving out a total of $10,000 between eleven students to help fund their education. 

Sponsorship form!

  • Share:

National Credit Union Youth Month!

Authored By: Rachel Finney on 4/5/2019

Financial Education! 

April is National Credit Union Youth Month!

Save for the future!

Members First Credit Union takes pride in helping to educate youth membership to prepare for their future through financial education. Help your kids picture their future!

We often look at pictures to remember the past, but are you ready to picture your future?

If you ask your children, they can likely picture a future they would like to live in. Some dream to become doctors and help people, others want to be known for their talent. For children and teenagers, the future brings limitless possibilities. But no matter what their dream is, financial education can be instrumental in helping them achieve their goals.

The theme for this year’s National Credit Union Youth Month is “The future is yours… Picture it! Save for it! Share it!”. Together, we’re encouraging youngsters to express themselves through photography, sharing their visions for their own financial futures so we can help them get there.

Use of Polaroid images in juxtaposition to photos of accomplished adults in the theme is no coincidence – research shows that when you picture yourself in the future achieving a goal, like becoming a ballet dancer or going to college, saving for it becomes easier. 

Start small. Help your children save for a toy they want. Then sign them up for a youth savings account where they save for far-off goals.

As your credit union, we want to help you teach your children to learn good financial habits. Together we can help them fulfill their dreams no matter big or small.

To learn more about our youth accounts, click here!

To apply for one of our scholarships, click here! Applications are due April 19th!

We are also holding a Youth Coloring Contest in April! Click here for the coloring page or stop by one of the branches to pick one up. The coloring pages will be displayed in the branch they are submitted to, and at the end of April a winner will be chosen to recieve a gift card!

  • Share:

2019 MFCU Annual Meeting!

Authored By: Rachel Finney on 4/3/2019

MFCU Happenings! 

Annual Meeting!

Join us for our 83rd Annual Meeting for elections, presentation of our President's Strategic Impact Award, giveaways, cake, and more! The Annual Meeting will be on Tuesday, April 16, 2019 at 6:30pm at:

Barstow-Shipps Wing
Midland Community Center
2205 S Jefferson Ave
Midland, MI 48640

Board Members who are up for re-election include:

- Robert Cooper
- Robert Lancaster
- Kevin Brott
- Sarah Eklove

Supervisory Committee members up for re-election include:

- Don Boyer
- Robert Clarke.

If you have any questions, please contact Mara Simanskey at msimanskey@mfcu.net or 855.835.6328 x1282.

  • Share:

Identity Theft Protection!

Authored By: Emily Brophy on 4/1/2019

Financial Education! 

Identity Theft Protection!

Identity (ID) theft happens when someone steals your personal information to commit fraud. The identity thief may use your information to fraudulently apply for credit, file taxes, or get medical services. These acts can damage your credit status, and cost you time and money to restore your good name.

You may not know that you’re the victim of ID theft immediately. Signs you may be a victim:

  • Bills for items you didn't buy

  • Debt collection calls for accounts you didn't open

  • Denials for loan applications

Children and seniors are both vulnerable to ID theft. Child ID theft may go undetected for many years. Victims may not know until they’re adults, applying for their own loans. Seniors are vulnerable because they share their personal information often with doctors and caregivers. The number of people and offices that access their information put them at risk. Help look out for the seniors and children in your life to make sure that they don’t become victims.

There are several common types of identity theft that can affect you:

  • Tax ID theft - Someone uses your Social Security number to falsely file tax returns with the IRS or your state

  • Medical ID theft - Someone steals your Medicare ID or health insurance member number. Thieves use this information to get medical services or send fake bills to your health insurer.

  • Social ID theft - Someone uses your name and photos to create a fake account on social media

Take steps to avoid being a victim of identity theft:

  • Secure your Social Security number (SSN). Don’t carry your Social Security card in your wallet and only give out your SSN when absolutely necessary.

  • Don’t share personal information (birthdate, Social Security number, or bank account number) just because someone asks for it. Don’t be afraid to pushback and ask why that information is necessary.

  • Collect your mail every day. Place a hold on your mail when you are away from home for several days. Make sure to provide your post office with a forwarding address if you move.

  • Pay attention to your billing cycles. If bills or financial statements are late, contact the sender. When possible, consider online statements and bills that are sent directly to your email or online account.

  • Use the security features on your mobile phone.

  • Update sharing and firewall settings when you're on a public WIFI network. Use a virtual private network, if you use public WIFI. If you aren’t worried about running out of data, consider making your phone a hotspot and use that internet connection for your computer when out in public.

  • Review your credit card and bank account statements. Compare receipts with account statements. Watch for unauthorized transactions.

  • Shred receipts, credit offers, account statements, and expired credit cards, to prevent “dumpster divers” from getting your personal information.

  • Store personal information in a safe place. If possible, make sure it is password protected or behind lock and key.

  • Install firewalls and virus-detection software on your home computer. Run scans often (around once a week) to check for potential threats.

  • Create complex passwords that identity thieves cannot guess. Change your passwords often. Change your password immediately if a company that you do business with has a breach of its databases.

  • Stop into a local branch so we can review your credit report with you at least once a year to make certain that they don't include accounts that you have not opened.

Original article from https://www.usa.gov/identity-theft. Edited for content and clarity.

  • Share:

MFCU Scholarships are available!

3/1/2019

MFCU News & Resources! 

MFCU Scholarships are available!

At Members First Credit Union, we believe in the power of education and financial literacy. Once again, MFCU will be awarding a total of $10,000 in scholarship split between 11 students. We will be awarding:

  • one $2,000 scholarship
  • six $1,000 scholarships (one $1,000 scholarship set aside for a non-traditional student)
  • four $500 scholarships (one $500 scholarship set aside for a non-traditional student)

Scholarship recipients are selected on a number of criteria including academic record, essay, leadership and participation in community activities, honors, work experience, education, and career goals. Checks are issued jointly to the recipient and the educational institution. Funds are to be used for tuition, fees, and books for post-secondary education (including but not limited to colleges, trade schools, and etc.).

Those applying for a scholarship must meet the following guidelines:

  • Must be the primary owner of a Members First Credit Union account in good standing
  • Must be attending or have graduated from an accredited high school
  • Must be accepted/enrolled in an accredited institution and/or working towards their first undergraduate degree
  • Two written recommendations, preferably from one present or former instructor and one employer dated within last five months
  • Must include transcript from high school or college, can be unofficial
  • Must provide an essay outlining goals, aspirations, college, and career plans

A non-traditional student would be someone who meets one or more of the following guidelines:

  • Over the age of 24 and getting his/her first 2-year or 4-year degree
  • Attending vocational, technical, culinary, trade school, etc.

A credit union Scholarship Selection Committee will make the selection of scholarship recipients. Qualified applicants will be notified no later than May 31, 2019. Not all applicants will be selected as recipients. Each scholarship is issued one time and is not automatically renewable. Applicants may re-apply for future scholarships, although scholarship recipients will only be selected a total of two times. Members First Credit Union employees and official family and their relatives are not eligible for the scholarships. All parts of the application including essay, letters of recommendation, and transcripts, must be submitted to the credit union by 5:00 p.m., Friday, April 19, 2019 for consideration. If all materials are not received by the deadline, the application will be disqualified. If you have any questions, please contact Mara Simanskey via email at msimanskey@mfcu.net or via phone at 855.835.6328 ext. 1282.

Click here to apply for a scholarship!

  • Share:

Anytime, Anywhere.

Authored By: Rachel Finney on 2/19/2019

As your financial partner, we are continually looking for ways to improve our efficiencies while providing excellent service to our members. To better serve our members outside of our branch hours, we have added services that are available 24/7 for your banking needs.

Continue Reading "Anytime, Anywhere." »
  • Share:

Supporting Wigs 4 Kids!

2/14/2019

Community Happenings! 

Supporting Wigs 4 Kids!

MFCU Community Difference Project

Members First Credit Union Employee Shaves Head to Donate Hair

Members First Credit Union employee Melanie Duke, Branch Manager of the Blue Grass location in Mt. Pleasant, MI, shaved her head to donate her hair to Maggie’s Wigs 4 Kids of Michigan. Duke was excited to share the experience as part of MFCU’s Community Difference Project.

“It was my 38th birthday and another one of my coworkers had just been diagnosed with breast cancer,” explained Duke when asked why this was important to her. “This had been the third in 3 years. I thought about all of the people in my life that have been touched by cancer, close friends who had lost their daughter to cancer WAY to young, and another coworker and her family’s battle with childhood cancer. It was overwhelming.”

Duke continued to share why she decided to donate her hair, “Someone shared an amazing video on Facebook about Maggie’s Wigs 4 Kids of Michigan. I went to the organizations website, researched and learned about some of the illnesses and contributing factors to children’s hair loss. I definitely received an education. I love helping local businesses help other Michiganders, especially children. I decided I would grow out my hair for two years until I turned 40, then donate it. It wasn’t until recently that I decided to ‘Go All In’ and donate every last inch that I could. I am so excited to be able to support this amazing organization that is helping children smile!”

MFCU wanted to encourage Duke in her journey and both Mt. Pleasant branch locations held fundraisers through the Community Difference Project, raising $400 to donate in addition to Duke’s hair donation.

The Community Difference Project was started on the foundation of the credit union philosophy “people helping people.” The staff members are committed and passionate about living this philosophy by providing non-profit organizations support through monetary donations, random acts of kindness and volunteering. Visit www.mfcu.net/communitydifferenceproject for more information.

  • Share:

Crash the GAC!

Authored By: Rachel Finney on 2/6/2019

Members First Credit Union is pleased to announce that Melinda Blackledge has been selected to attend Crash the GAC 2019 by The Cooperative Trust and Credit Union National Association to represent Michigan Credit Union League!

Continue Reading "Crash the GAC!" »
  • Share:

Donation Drive in Mt. Pleasant for Wigs for Kids!

Authored By: Rachel Finney on 1/17/2019

Community Happenings! 

Donation Drive in Mt. Pleasant for Wigs for Kids!

MFCU Community Difference Project

Our staff from the Bluegrass Branch in Mt. Pleasant are collecting monetary donations from January 14th through February 8th. Ask us about how the Bluegrass Branch Manager is supporting this organization!

All proceeds will be donated to Michigan Wigs for Kids. Thank you to those who have already donated!

To learn more about this organization, click here!

  • Share:

Find us at the Kids & Family Expo in Grand Rapids!

Authored By: Rachel Finney on 1/10/2019

Community Happenings! 

Find us at the Kids & Family Expo in Grand Rapids!

Join us for a day of fun in Grand Rapids! This family focused community event encourages families to play and move with physical activities, learn and explore with educational fun and lead healthier lives in an active environment - all while encouraging families to engage in family boding time. Fun for the whole family!

Saturday, January 26th

10am - 5pm

Devos Place
303 Monroe Ave. NW
Grand Rapids, MI 49503

Tickets:
$7 (age 16+)
$4 (ages 3 - 15)
FREE (ages 2 and under)

Click here to learn more or purchase your tickets in advance!

Make sure to stop by the MFCU booth and check out other activities including:

  • Zip Line
  • Toddler Zone
  • Rock Wall
  • Puppet Shows
  • Magician
  • Curiosity Dome
  • Fire Truck and Police Car
  • Ambulance and Smokehouse
  • Large Inflatable Slide
  • Petting Zoo
  • Obstacle Course
  • Camps and Retreats
  • Reptile / Amphibian Exhibit
  • Ga-Ga Pit
  • Bounce House
  • Art Wall Zone
  • Face Painting Fun
  • Self Defence
  • Family Fun Bucket Prize
  • Share:

Cookies & Cocoa at the Dartmouth Branch!

Authored By: Rachel Finney on 11/15/2018

Community Happenings! 

Cookies & Cocoa!

The Dartmouth Branch is holding a Cookies & Cocoa event on Thursday, Dec. 6th!  Join us to mingle with staff and enjoy complimentary cookies and cocoa. We will also have winter-themed games and prizes as well!

Cookies and Cocoa

  • Share:

Take advantage of eBanking!

Authored By: Rachel Finney on 11/14/2018

Financial Education! 

Take advantage of eBanking!

With all of the eServices that MFCU has to offer, why not start taking advantage of them? Visit mfcu.net/eServices for more information!

MFCU

  • Share:

Oct. 18th is International Credit Union Day!

Authored By: Rachel Finney on 10/15/2018

MFCU Happenings! 

International Credit Union Day!

October 18, 2018, will mark the 70th anniversary of International Credit Union Day. This year’s theme is “Find Your Platinum Lining.” It combines the traditional gift of platinum for 70th anniversaries with a play on the saying “every cloud has a silver lining.”

Credit unions all over the world will be celebrating the history and the success of the “People-not-Profit” philosophy. This year’s theme emphasizes the credit union movement’s loyalty to its members and its mission to provide them financial support and guidance.

The movement began in the 1840s as a democratic consumer cooperative by weavers in Rochdale, England. Frustrated by bankers who denied them loans simply because they weren’t wealthy, the weavers and workers decided to pool their incomes and loan money to each other. In time, this cooperation put each member on solid financial ground and encouraged their own businesses to flourish.

The need for equitable financial institutions grew and, in 1971, the World Council of Credit Unions, Inc. (WOCCU) was created to help establish and maintain viable credit union movements. It has become the leading voice for advocacy and governance on behalf of the international credit union community.

Today, over 235 million people are served by credit unions in 109 countries and 6 continents.

 

Join us at any of our branches on October 18th to celebrate ICU Day with donuts, cider, and a chance to win a gift basket!

credit union

  • Share:

Remember, remember the 5th of November!

Authored By: Katie Erdody on 10/12/2018

MFCU Happenings! 

The Whatever Loan is coming!

The $1,000 Whatever Loan with no credit score limit* begins on November 5!  Are you ready?

 

We want you to enjoy the benefits of the Whatever Loan as soon as possible.  Whether you’ve received the Whatever Loan in the past or you’re looking to apply for the first time, here’s a list of what you’ll need to have in place:

 

  • Direct Deposit of your net pay into an MFCU checking account
  • Most recent pay stub

 

Invite your friends and family to find their happy with us.  The Whatever Loan might be just what they need too!

If the Whatever Loan doesn’t meet your needs, we have other lending options available.

*A $25 processing fee will be assessed and may be funded with the loan, bringing total loan amount to $1,025.  In order to receive the Whatever Loan you must not have caused MFCU a loss, must be at your place of employment for at least 6 months, and be eligible for membership. A Whatever Loan of $1,025, covered with life and disability insurance, will have 12 monthly payments of $96.27 and an annual percentage rate of 22.77% APR.  Additional restrictions may apply.

  • Share:

MFCU donated $50,000 to United Way!

Authored By: Rachel Finney on 10/9/2018

MFCU Happenings! 

MFCU donated $50,000 to United Way!

We surprised both staff and United Way representatives by donating $50,000 during our biannual Make A Difference Day. The following United Ways are recipients of $10,000 each: United Way of Midland County, United Way of Gratiot and Isabella Counties, Inc., United Way of Clare and Gladwin Counties, United Way of Mecosta-Osceola and the Heart of West Michigan United Way.

“I am very excited we have chosen United Way to donate to for this Make A Difference Day event,” said Rebecca Lobsinger, Branch Manager in Mount Pleasant. “I am the Vice Chair and the Community Investment Committee co-chair for the United Way of Gratiot and Isabella Counties, Inc. and their impact on the community can be life changing for many. Being part of this amazing organization has changed my life as well. Being able to give back to my community and help those that are struggling is very rewarding. I’m looking forward to continually engaging Members First with United Way.”

We gathered for our biannual Make A Difference Day on Monday, Oct. 8, 2018. Make A Difference Day is a day full of a staff education of the strategic plan, celebrating successes, looking forward to the future, personal development and community impact.

MFCU impacts the community through our Community Difference Project. The project was created to impact peoples' lives in positive ways. Whether it's to volunteer, perform a good deed or provide support for people in need, we're here to create better lives for people in our communities.  The chosen organization to receive a donation was United Way.

“United Way is a trusted leader in our community that ensures all individuals and families thrive,” explained Atasha Johnson, Branch Manager in Midland. “As a leader at Members First Credit Union I believe we give the best of ourselves when we join together! I choose to Live United because I know it will help shape the future of our communities.”

United Way

$50,000

  • Share:

Youth Financial Education Resources!

Authored By: Rachel Finney on 8/3/2018

Financial Education! 

Youth Financial Education Resources!

We believe in the power of education and financial literacy. At MFCU, we believe in you. Our promise is to be trustworthy, caring and enthusiastic to help you succeed. Below are links to some great resources for fun games and activities as well as some useful financial education information!

MFCU Coloring Pages

Kids Club Financial Games & Activities

Youth Financial Games & Activities

Student Club Games & Activities

MFCU Pinterest Page

 

  • Share:

CMU Football Tickets Giveaway!

Authored By: Rachel Finney on 8/2/2018

Community Happenings! 

CMU Football Tickets Giveaway!

Our Bluegrass Branch and our Broadway Branch in Mt. Pleasant are holding a drawing to win CMU Football Tickets! Stop in either branch and answer a trivia question to receive your free entry to the drawing! Each branch will be giving out two sets of two tickets. We will also be giving away two tickets on our MFCU Facebook page so stay tuned!

Interested in joining us at the Mt. Pleasant Chamber of Commerce Pre-Kickoff Party?! Click here for details!

CMU Ticket Giveaway!

  • Share:

Get Rewarded For Spending Your Way!

Authored By: Rachel Finney on 8/1/2018

MFCU Happenings! 

Spend Rewardingly!

It's not just a VISA® card. It's getting rewarded for spending your way!

We know that how you spend your money is a reflection of who you are - from buying groceries for your family to those concert tickets to see your favorite band. So while you're busy being you, why not get rewarded for the purchases you're already making with an MFCU Visa Platinum Rewards credit card?!

In addition to earning MFCU Rewards points, you'll also benefit from no annual fee and no balance transfer fees. Plus, you have the ability to pay your bill online or in person. What are you waiting for?!

Apply now!

Interested in finding out more information about an MFCU VISA? Click here!

 

Federally Insured by NCUA | Equal Housing Lender
Approval and credit limit based on credit worthiness. Some restrictions may apply. 

  • Share:

MFCU is 1 of 7 Credit Unions that formed a Credit Union Trust!

Authored By: Rachel Finney on 7/31/2018

UPDATE 1/24/20

Credit Union Trust

Credit Union Trust is a limited purpose bank organized to provide trust products and services to credit union members and the public. Credit Union Trust is solely owned by Michigan credit unions. Credit Union Trust’s products and services are designed to create, protect and preserve wealth for individuals and their families. Visit https://www.credituniontrust.com/ to learn more!

Credit Union Trust provides trust and investment management-related services primarily to credit union members. While credit unions routinely provide a range of wealth management services for members, they are unable to directly provide fiduciary services. Credit Union Trust also offers investment management solutions for foundations, not-for-profit entities and other community-based entities. More information about Credit Union Trust Investment and Fiduciary services can be found here

Are you looking for more information or do you have any questions? Click here.

 

 

UPDATE 5/21/19

CREDIT UNION TRUST RECEIVES STATE APPROVAL TO COMMENCE BUSINESS

Becomes Michigan's First Fiduciary Service Provider Organized by Credit Unions

Credit Union Trust announced that it has received approval from the state of Michigan to commence business, marking an historic event for Michigan credit unions and their 5.23 million members. 

Credit Union Trust is the first special purpose bank in Michigan organized by seven credit unions to primarily serve the needs of credit union members. Michigan credit union members are now able to access trust and investment related services from the same credit union family.

“This is an important step for Michigan credit unions and their members,” said Robert Sajdak, President & CEO, Credit Union Trust.  “It’s the culmination of two year’s effort and we’re proud of what we’ve been able to accomplish for all Michigan credit union members.”

Previously, credit union members and their families had to get professional trustee and fiduciary services from unaffiliated banks.  With the establishment of Credit Union Trust, that’s changed. 

Credit Union Trust Expands Credit Union Services

Credit Union Trust is a special purpose bank and credit union service organization (CUSO).   Its purpose is to provide trust, fiduciary and investment services and is structured to serve credit union members and the general public.   

“We’re here to serve credit unions and their members in Michigan and we’re doing it by providing value, service and access at a price members can be comfortable with,” said John Landis Vice President and Senior Trust Specialist, Credit Union Trust.

Credit Union Trust seeks to grow beyond the seven organizing credit union and is structured to help all credit unions expand into the fiduciary, trustee and related services they want to offer their members.  In addition to serving individual, Credit Union Trust also provides solutions for foundations, not-for-profit organizations and other community-based entities. 

“Credit unions can now better serve their individual members and institutions, with no added credit union expense to doing so,” Landis added.

Credit Union Trust Benefits Members

There’s a growing need for trust and fiduciary services in general, particularly for trusts that do not meet the minimums of the larger banks. Baby boomers are receiving inheritances from their parents and need a way to pass on that wealth to their next generation.  At the same time, many families face problems with adult children, uncomfortable issues with second families, and the need to care for aging parents.  All these and more are affecting families today and are complications that members may now address through Credit Union Trust.

About Credit Union Trust

Credit Union Trust is Michigan’s first, credit union-organized and owned fiduciary service provider, and is also a credit union service organization (CUSO.)  Credit Union Trust was established by seven Michigan credit unions with more than 500 years of combined industry experience.  Credit Union Trust serves the needs of Michigan credit unions and their members through a state-wide network of credit union branches and is headquartered at 31155 Northwestern Highway, Farmington Hills, Michigan.  For more information go to: www.CreditUnionTrust.com.

 

 

UPDATE 12/11/18

CREDIT UNION TRUST: MEMBER BENEFITS

A short time ago, we announced Members First Credit Union had joined with 6 other Michigan-based credit unions to form a trust credit union service organization and limited-purpose bank in order to provide trust services to our members.  We promised to keep our members informed of progress and to provide helpful information as we proceed. We recently responded to a blog query that might also be of interest to members here:

Q – How is this new organization specifically going to benefit me?  I have a couple of brokerage accounts, a trust prepared by a competent attorney, etc. 

A -- Credit Union Trust is being organized to provide trust and investment services to credit union members. Up until now the credit unions have been unable to offer fiduciary services to members.

Many people do want a professional fiduciary to act as their personal representative, trustee, or conservator. Often this is because there is no one else who can meet the requirements of impartiality and professionalism. Individuals move, die, become incapacitated and are often unskilled in administration and taxes – or are simply unable to communicate effectively.  Credit Union Trust will provide such services and have a fee-based investment program that meets the high standards required for a trustee.

To answer your question specifically: every estate plan is different, every members’ objectives and timing are different – so Credit Union Trust starts where the member is.  To understand that, our service starts with an informational meeting, which is a conversation to help us learn the parameters and objectives that will best secure our member’s objectives. 

As an organizer and owner of Credit Union Trust bank, Members we are happy and excited to be able to offer the comprehensive financial management services Credit Union Trust will allow us to provide.  We invite you to keep abreast of developments via our website as Credit Union Trust proceeds toward its planned opening early next year.

For more information, or to arrange an introduction with Credit Union Trust staff, give us a call at: 855.835.MFCU (6328).

 

 

UPDATE 11/5/18                     

CREDIT UNION TRUST RECEIVES APPROVAL FROM STATE OF MICHIGAN

Credit Unions Collaborate to Offer Trust Services to Members

Organizers of Credit Union Trust announced today they have received approval from the Michigan Department of Insurance and Financial Services, Office of Banking to proceed with plans to establish the new, limited purpose financial institution.

“We’re pleased and very excited to be moving forward,” said Robert Sajdak, prospective Credit Union Trust President and CEO as named in the application.   “As we said back in July when we announced our application, now that Credit Union Trust is formally approved, once it is organized the real work begins and we will soon begin hiring professionals, implementing plans and contracting for systems and services.”

"We're excited about the approval and look forward to putting in the work to open Credit Union Trust for our members in 2019," said Carrie Iafrate, Executive Vice President for Members First Credit Union.

Credit Union Trust plans to open in late Q1 2019 and will be headquartered in leased facilities located at 31155 Northwestern Highway, Farmington Hills, Michigan.

Organized by a group of seven prominent, Michigan-based credit unions, Credit Union Trust will be both a Michigan limited purpose bank and a credit union service organization (CUSO).  It is the first such entity in the state and is being established to serve the needs of Michigan credit union members.  While credit unions routinely provide a range of wealth management services for their members, they were unable to directly provide fiduciary services such as trusts, until a 2016 change in Michigan law.  That change marked the start of organizers’ planning.

“We know our members, the market, and the industry. We will begin immediately implementing a tightly-focused business plan to serve the needs of our founding credit union members, and all Michigan credit union members who previously had to go outside the familiar credit union family for trust services,” Sajdak said.  “This is a service whose time has come and it’s one our members need.”

This is an important step for Michigan’s approximately 5.23 million credit union members and the industry as a whole.  Baby boomers are expected to transfer $30 trillion in assets to their heirs over the next few decades and a trust provides them a way to avoid the time and expense of probate court, as well as a way to minimize estate taxes.

 “At a time when many traditional banks and trust companies are raising minimum requirements to more than $1 million dollars, Credit Union Trust is focused on serving all members and will administer a much fuller spectrum of trust accounts and balances,” Sajdak explained. 

The organizers are executives of the seven, member-owned credit unions and include: Alpena Alcona Area Credit Union, headquartered in Alpena with seven locations; Community Choice Credit Union, headquartered in Farmington Hills with 20 locations; ELGA Credit Union, headquartered in Burton with 11 locations; Frankenmuth Credit Union, headquartered in Frankenmuth with 23 locations; Honor Credit Union, headquartered in Berrien Springs with 24 locations; Members First Credit Union, headquartered in Midland with 11 locations; and Team One Credit Union, headquartered in Saginaw with 12 locations. 

Credit Union Trust will be regulated by the State of Michigan’s Department of Insurance and Financial Services, Office of Banking.

 

 

POSTED 7/31/18

MFCU IS 1 OF 7 CREDIT UNIONS FORMING A CREDIT UNION TRUST!

A group of 7 prominent Michigan credit unions, including Members First Credit Union, have formally applied with the Michigan Department of Insurance and Financial Services to establish a new limited purpose financial institution that will provide trust services primarily to credit union members. Formal acceptance of the application kicks off a review process by state regulators that can last 100 days, at which time the organizers anticipate approval. Now with approval, Credit Union Trust will become the first such entity in Michigan organized by credit unions established to primarily serve the needs of credit union members. Our goal in forming this new organization is to be able to provide trust services to our members and all credit union members across Michigan. It is very exciting for us to be owners of Credit Union Trust - we will be making history in our state!

While credit unions routinely provide a range of wealth management services for their members, we are unable to directly provide fiduciary services such as trusts. Credit Union Trust will allow them to do so. It will offer investment, trust and related services primarily to members of the shareholder credit unions, as well as members of other Michigan credit unions. Though technically a bank (it will not make loans or accept deposits), it is also a credit union service organization that will be equally owned by the founding shareholders.

The credit unions making the application are: Alpena Alcona Area Credit Union, headquartered in Alpena with seven locations; Community Choice Credit Union, headquartered in Farmington Hills with 20 locations; ELGA Credit Union, headquartered in Burton with 11 locations; Frankenmuth Credit Union, headquartered in Frankenmuth with 23 locations; Honor Credit Union, headquartered in Berrien Springs with 24 locations; Members First Credit Union, headquartered in Midland with 11 locations; and Team One Credit Union, headquartered in Saginaw with 12 locations. 

Check out this article for more information!

  • Share:

Auto Group Sale in Mt. Pleasant!

Authored By: Rachel Finney on 7/30/2018

MFCU Happenings! 

Auto Group Sale in Mt. Pleasant!

Stop by Auto Group Leasing in Mt. Pleasant and take advantage of the biggest sale of the year!

When:
August 13th - 18th

Where:
Auto Group Leasing
4720 E. Pickard (M-20)
Mt. Pleasant, MI 48858

What:
Auto Group Leasing and MFCU have partnered to bring you the biggest sales event of the year! Over 100 vehicles must go and all applications will be considered. MFCU will be on site for quick credit consideration. The Isabella County Restoration House will receive a $100 donation for every vehicle sold! Plus, you will receive a free grill with your purchase!

Questions?
Call Cheryl at 855.835.MFCU x6128 or call Auto Group Leasing at 877.772.1113. 

  • Share:

Debit Card Fraud

Authored By: Rachel Finney on 7/26/2018

MFCU Financial Education! 

Debit Card Fraud

Debit Card Fraud

  • Share:

MFCU Family Day 2018

Authored By: Rachel Finney on 7/12/2018

MFCU Happenings! 

MFCU Family Day 2018!

Bring your family to the 2018 Family Day for some baseball action, food, and a good time provided by Members First Credit Union! We will be hosting Family Day at two separate locations on separate dates, so make sure to mark your calendars for the option that works best for you! 

 

Loons vs. Whitecaps | August 1, 2018 @ 7:05pm
Dow Diamond: Northern Pavillion - Midland, MI

Call to reserve your complimentary tickets: 989.837.BALL (2255)
Click here to view the Facebook event!

OR

Whitecaps vs. Loons | August 27, 2018 @ 7:05pm
Whitecaps Stadium: Budweiser Bowtie Deck - Grand Rapids, MI

The Whitecaps box office is not able to take reservations. If you are interested in attending, please stop by the MFCU Booth outside of the ticket office before the game to grab your complimentary tickets!
Click here to view the Facebook event!

 

Tickets for both games are first come, first serve. Food will be available between 6pm - 8pm. If you have any questions, please contact Mara Simanskey at msimanskey@mfcu.net or 855.835.6328 x1282.

  • Share:

2018 MFCU Scholarship Winners!

Authored By: Rachel Finney on 6/21/2018

Community Happenings! 

2018 MFCU Scholarship Winners!

We believe in the power of education and financial literacy. In 2018, we were able to award one $2,000 scholarship, six $1,000 scholarships, and four $500 scholarships to qualified recipients. Scholarship recipients are selected by our Scholarship Committee on a number of criteria, including academic record, essay, leadership and participation in community activities, honors, work experience, education, and career goals.

scholarship winners

The 2019 Scholarship Application will be available on March 1, 2019. If you have any questions, please contact Mara Simanskey at 855.835.6328 ext. 1282 or msimanskey@mfcu.net.

  • Share:

Home Loans for More Room to Roam

Authored By: Katie Erdody on 6/12/2018

It’s not just a home loan, it’s giving your dogs and kids a place to run!

Whether you’re looking for a new place for your kids to run wild, your pets to explore, or just planning for the future, we have a lending option to fit your needs! 

Extra Perks

LOW FIXED RATES
LOW CLOSING COSTS

LOW DOWN PAYMENTS
TRUSTAGE INSURANCE DISCOUNTS

AUTOMATIC PAYMENT OPTIONS

ESCROW ACCOUNTS AVAILABLE

PRIVATE MORTGAGE INSURANCE OPTION

Apply Now Button

Got more questions?  Give us a ring at 855.835.MFCU x. 1750 or kick it old school by stopping in to your favorite branch. 

Federally Insured by NCUA | Equal Housing Lender

Loan rates, terms and approval are subject to credit worthiness.  Some restrictions may apply.

  • Share:

Mortgage Rate Special!

Authored By: Rachel Finney on 5/4/2018

MFCU Happenings! 

Mortgage Rate Special!

Experience even more benefits of an MFCU mortgage with our limited time rate specials!

10 year fixed15 year fixed

Talk to a mortgage officer today by calling 855.835.6328 x1750!

 

*APR = Annual Percentage Rate. Information is based off a $100,000 mortgage with a loan to value of 80% or less and credit of 725 or above. A $100,000 loan with a 10 year term and 2.99% interest rate would have a monthly payment of $965.15. A $100,000 loan with a 15 year term and 3.25% interest rate would have a monthly payment of $702.67. Must have qualifying checking account with direct deposit and debt to income ratio at or less than 38%. Excludes mobile or manufactured homes. Other exclusions may apply. Loan rates, terms and approval are subject to credit worthiness. Loan rate special expires 5/31/2018. 

 

  • Share:

Kids Jeep Giveaway!

Authored By: Rachel Finney on 4/5/2018

MFCU Happenings! 

Kids Jeep Giveaway!

Enter to win a Kids Jeep! Spring is here, and we are all ready to spend some time outside. Make your spring and summer even better for the little one in your life with a new outdoor toy. We are giving away 11 Kids Jeeps - one at each branch! Stop by your favorite branch to enter to win one of these cool jeeps. You can enter once per day throughout the month of April!

Click here to see the Official Rules. 

Interested in getting a Jeep or toy that is a little bit bigger? Choose your own adventure with an Auto Loan, RV Loan, or Boat Loan from MFCU! Click here for more details!

jeep giveaway

  • Share:

2018 MFCU Annual Meeting!

Authored By: Rachel Finney on 4/3/2018

MFCU Happenings! 

Annual Meeting!

Join us for our 82nd Annual Meeting for elections, presentation of our Presidents Award, giveaways, cake, and more! The Annual Meeting will be on Tuesday, April 17, 2018 at 6:30pm at:

Barstow-Shipps Wing
Midland Community Center
2205 S Jefferson Ave
Midland, MI 48640

Board Members who are up for re-election include Beth Christiansen, Dave Thompson, and Joe Ashcroft. Supervisory Committee members up for re-election include Greg Crawford. 

If you have any questions, please contact Mara Simanskey at msimanskey@mfcu.net or 855.835.6328 x1282. 

  • Share:

National Credit Union Youth Month!

Authored By: Rachel Finney on 3/29/2018

Community Happenings! 

The Science of Savings - April is National Credit Union Youth Month!

April is National Credit Union Youth Month! Financial education is crucial, and we want to help you teach your children the science of savings!

Stop into your local branch with your child during the month of April for our coloring contest! Coloring pages will be displayed in the branch and a winner will be chosen for each age group (0-3, 4-6, 7-9 years old) in early May. Click here for the coloring page!

Does your child already have a Kids Club or Student Club account? That’s great! Make sure to stop into your local branch on Thursday, April 19 for Double Stamp Ice Cream Day (max of one full stamp card for the day). After depositing your money, grab an ice cream sandwich on your way out to celebrate your savings.

Want to learn more about our Kids Club and Student Club account? Click here!

Plus, any new Kids Club or Student Club account opened in the month of April will be entered to win a prize basket!

Youth Month

  • Share:

Take Our Membership Survey!

Authored By: Rachel Finney on 3/26/2018

MFCU Happenings! 

We value your opinion!

Take our survey.

When you opened your account with Members First Credit Union, you became an owner of the credit union. We value your opinion and are asking that you give us your feedback. Our promise is to be trustworthy, caring, and enthusiastic to help you succeed as well as minimize financial stress and maximize happiness.

The survey will take about 15 minutes and you will need to complete it by April 27, 2018. Thank you for your help!

Survey

 

  • Share:

MFCU Makes Community Impact!

Authored By: Rachel Finney on 3/21/2018

MFCU Happenings! 

Members First Credit Union Makes Community Impact!

The employees of Members First Credit Union gathered for their annual Make A Difference Day on Monday, Feb. 19, 2018. Make A Difference Day (MADD) is a day full of a staff education of the strategic plan, celebrating successes, looking forward to the future, personal development and community impact.

MFCU impacts the community through their Community Difference Project. The project was created to impact peoples' lives in positive ways. Whether it's to volunteer, perform a good deed or provide support for people in need, we're here to create better lives for people in our communities.  MFCU will donate $5,000 to be split among the following organizations: Make-A-Wish of Michigan, American Cancer Society, Big Brothers Big Sisters of the Great Lakes Bay Region, Humane Society of West Michigan and Special Olympics of Michigan. During the day, employees were able to earn “MADD Bucks” and decide how much MFCU should donate to each organization.

Members First employees committed to over $8,000 in donations for MCULAF (Michigan Credit Union League Action Fund). Various fundraisers will continue to grow their total donation throughout the year.

“We were very excited to have support from our Executive Vice Presidents Carrie Iafrate and Anna Marie Zielinski! They even offered to receive a pie in the face once our goal had been reached.” – Joe McLosky, MFCU employee

Last year, employees recorded a total of 1,129 volunteer hours with 84 different organizations, impacting 12 counties in Michigan. MFCU donated to 159 different organizations, totaling over $85,000. The donations focused on, but were not limited to, Education, Economic Development and Community Involvement.

Anna Marie Zielinski, Executive Vice President, stated “Collectively as employees we are reminded of the strength in our MFCU core values. As individuals we take the time to celebrate who we are. Together we embrace the pride we feel while continuing to serve our communities.”

Carrie Iafrate, Executive Vice President, was very proud of the staff. “Our team members work with care and enthusiasm through every single member interaction day in and day out.  Make A Difference Day allows us to all come together to focus on that amazing service, reward them for their accomplishments, educate and inspire them to continually improve, and make a large community impact as a team.  The day reminds us that though we may work with the same people on a daily basis, we are 210 strong across the state of Michigan with a genuine desire to help others find their happy.”

Members First Credit Union: Members First Credit Union is a financial institution established in 1936 that is dedicated to encouraging a better tomorrow for their members and communities. Their promise is to be trustworthy, caring, and enthusiastic to help their members succeed while minimizing financial stress and maximizing happiness. At MFCU, it comes naturally to listen carefully and build relationships in order to not only find solutions for their members but also provide support to people in need through volunteering and community difference projects.​​​​​​​

  • Share:

Choose Your Own Adventure!

Authored By: Katie Erdody on 3/19/2018

Remember those ‘choose your own adventure’ books you read as a kid?  The ones where you got to pick how your story worked out? Bring the story to life and choose your own adventure with a recreational loan from Members First Credit Union!

Whether you want your story to involve a day on the boat with your family, hitting the open road on your motorcycle, or setting up a home away from home in an RV, we can help you get there!

At Members First credit union, we are happy to play a supporting role in your story, with great benefits, like:

  • No Application Fee
  • Low Interest Rates
  • Rate Discounts*
  • Extended Terms Available
  • Automatic & Biweekly Payment Options

Get started choosing your own adventure today!

Apply Now

*Get up to an additional one-half percentage point off your loan rate based on your relationship with the credit union.  Loan rates based on credit worthiness.

  • Share:

MFCU Social Media!

Authored By: Rachel Finney on 2/21/2018

MFCU Information! 

Social Media!

MFCU has been working hard to grow our social media platforms and give the public more opportunities to stay up-to-date on the latest information, see "branch happenings" and behind the scenes action, share what we are doing in our communities, and engage with each other! Please check out the below links and like/follow us to share your experiences with Members First Credit Union. 

MFCU Facebook (facebook.com/MembersFirstMI)
MFCU Twitter (@MembersFirstMI)
MFCU Instagram (@membersfirstcreditunion)
MFCU Pinterest (pinterest.com/MembersFirstMI)
MFCU YouTube (Members First Credit Union)
MFCU LinkedIn (Members First Credit Union)
MFCU Blog (mfcu.net/MFCUBlog)

#mymfcu    #findyourhappy

  • Share:

We're Your 'Make Life Happen' Partner!

Authored By: Katie Erdody on 2/20/2018

We’ve always known that your money is more than just money. It’s a springboard to fulfilled dreams, lasting memories and reached goals. That’s why we’re more than just a place to keep your moneyWe’re your make life happen, partner!

We’re not a one size fits all credit union.  Sure, we could be just like everyone else, and tell you how great our loan deposit rates are (they're great, by the way).  Unlike the other guys, we want to be with you for the long haul - from financing your first carhelping you remodel your dream home, and getting ready for retirement.

With all the different options of accounts and loans, we know we’ll have something just right for you! See what all the fuss is about give us a ring at 855.835.6328 or stop in to your new favorite branch!

  • Share:

 

 

Go to main navigation