Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # Members 1st Federal Credit Union ## Sitemaps - [XML Sitemap](https://www.membersonenj.org/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Emergency Savings Are Shrinking. Here's How to Start Building a Financial Buffer Again](https://www.membersonenj.org/emergency-savings-are-shrinking-heres-how-to-start-building-a-financial-buffer-again/) - Most Americans can't afford to pay for a $1,000 emergency. In fact, the share of Americans who can cover a major unexpected expense using only their savings has declined in recent years. According to Bankrate's annual Emergency Savings Report, just 30% of Americans could pay for an unexpected expense from their savings account. That's down - [Teacher Mini Grants](https://www.membersonenj.org/teacher-mini-grants/) - 2025 Teacher Mini Grants are here! If you are an educator and a member of our credit union, don't miss out on applying for this great grant! - [Bank Fraud: How to Protect Your Account and What to Do If It Happens](https://www.membersonenj.org/how-to-protect-against-bank-fraud/) - Learn how to prevent bank fraud, spot warning signs, and act fast if it happens. Smart, simple tips to keep your money safe and secure. - [Summer Spending Without the Stress](https://www.membersonenj.org/summer-spending-without-the-stress/) - How to Enjoy the Season While Staying Financially Healthy Summer is a time for vacations, family outings, celebrations, and making memories. However, it can also become one of the most expensive times of the year if spending is not managed carefully. Between travel, dining out, summer camps, childcare, entertainment, and rising utility bills, seasonal expenses - [What Types of Student Loans Are There? Choosing the Right Option for You](https://www.membersonenj.org/types-of-student-loans/) - Wondering what types of student loans are there? Explore federal, private, and Members 1st loan options to fund your education or refinance your debt. - [#9 Smart Strategies for Using Your Home Equity](https://www.membersonenj.org/using-home-equity-for-your-big-projects/) - Wondering how to finance a renovation or consolidate debt? Discover 9 smart ways for using home equity to achieve your financial goals with Members 1st. - [How to Maximize Your Tax Refund in 2025](https://www.membersonenj.org/how-to-maximize-tax-refund/) - Learn how to maximize tax refund with smart financial tips like paying down debt, building savings, and growing your money faster with Members 1st of NJ. - [A Day in the Life: Students Experience Real-World Finances](https://www.membersonenj.org/a-day-in-the-life-students-experience-real-world-finances/) - Members 1st of NJ Hosts Reality Fair to Empower Students with Real-World Financial Skills Members 1st of NJ Federal Credit Union is proud to announce it's recent Reality Fair, an interactive financial literacy event designed to give students hands-on experience managing real-life expenses and making smart financial decisions. The Reality Fair provided participants with a - [How to Choose the Best Auto Loans in New Jersey](https://www.membersonenj.org/how-to-choose-the-best-auto-loans/) - Looking for the best auto loans in New Jersey? Learn how to compare rates, understand interest, and finance your next vehicle with confidence with Members 1st. - [Make 2026 Your Year of Financial Success](https://www.membersonenj.org/make-2026-your-year-of-financial-success/) - Schedule your free session with one of our expert Financial Counselors today and get personalized guidance on budgeting, credit building, savings, and more. Why Meet With a Financial Counselor? Build or improve your credit score Learn practical budgeting tips Plan for short- and long-term financial goals Explore loans, savings, and investment options Personalized advice tailored - [Your Tax Refund Could Fix Your Debt Problem – If You Use It Strategically](https://www.membersonenj.org/your-tax-refund-could-fix-your-debt-problem-if-you-use-it-strategically/) - Before spending your refund, consider how it could strengthen your financial safety net. The IRS just started processing tax returns at the end of last month. That means Uncle Sam will deliver refunds soon. How will you spend yours? More than one in five taxpayers told Experian they planned to pay down debt during the - [5 Practical Steps to Boost Your Credit Score](https://www.membersonenj.org/boost-your-credit-score/) - Boost your credit score with expert tips on payment history, credit utilization, and more. Take control of your finances and start improving your credit now. - [Unlock Your Home’s Equity: HELOC and Home Equity Loan NJ](https://www.membersonenj.org/heloc-and-home-equity-loan-nj/) - Explore your financial options with a HELOC or home equity loan NJ. Unlock the value of your home for renovations, education, or debt consolidation. Learn more! - [Credit Card Refinancing vs Debt Consolidation: Understanding Your Options](https://www.membersonenj.org/credit-card-refinancing-vs-debt-consolidation/) - Explore easy-to-understand explanations and examples of Credit Card Refinancing vs Debt Consolidation to help manage your credit card debt effectively. - [Advantages of a Credit Union: A Better Way to Bank](https://www.membersonenj.org/advantages-of-a-credit-union/) - Discover the advantages of a credit union like Members 1st. Learn how we offer lower rates, community support, and both personal and financial peace of mind. - [Holiday Budgeting: How to Stay on Track with a Holiday Loan](https://www.membersonenj.org/how-to-stay-on-track-with-a-holiday-loan/) - Master your holiday savings with tips for smart budgeting. Plus, learn how a holiday loan can help you stay on track and enjoy a fun and stress-free season. - [Building Community with Financial Education Services & More](https://www.membersonenj.org/building-community-with-financial-education-services/) - Discover how Members 1st of NJ FCU empowers the community through their financial education services, customer appreciation days and giving back programs. - [Treat Yourself With Personal Loans for the Holidays](https://www.membersonenj.org/treat-yourself-with-personal-loans-for-the-holidays/) - With the holidays approaching, you might be wondering how to best manage your money. Find out how personal loans for the holidays can make your season merrier. - [What are Reality Fairs?](https://www.membersonenj.org/what-are-reality-fairs/) - Members 1st, along with other area credit unions, visit local schools to host Financial Reality Fairs. These fairs teach students how to budget their money. Students start by selecting a career and then are given a realistic salary based off their chosen career. When we visit the schools, we bring along items to set up - [Holiday Skip-A-Pay](https://www.membersonenj.org/holiday-skip-a-pay/) - Make your holidays even brighter by skipping your December or January loan payment. - [Proactive Identity Theft Prevention Tips](https://www.membersonenj.org/proactive-identity-theft-prevention-tips/) - Learn essential identity theft prevention tips to protect your information, spot scams, and secure your online accounts. Safeguard your financial future today. - [Smart Strategies for Managing School Expenses This Year](https://www.membersonenj.org/smart-strategies-for-managing-school-expenses/) - Manage back-to-school budgeting stress with tips and financial tools like personal loans and credit cards to handle school expenses easily. Click to learn more! - [2025 Teacher Mini Grants Available!](https://www.membersonenj.org/2025teacherminigrants/) - Members 1st of NJ FCU brings back its Teacher Mini Grant Program, awarding 18 educators $200 each to fund creative classroom projects. - [Refinancing Student Loans: A Smart Financial Decision for Graduates](https://www.membersonenj.org/refinancing-student-loans-a-smart-financial-decision/) - Refinancing student loans can save you money and simplify payments. Learn how Members 1st of NJ Federal Credit Union can help you achieve financial freedom! - [The Road to Savings: Benefits of Refinancing a Car Loan](https://www.membersonenj.org/benefits-of-refinancing-a-car-loan/) - Explore the benefits of refinancing a car to unlock potential savings on your auto loan. Learn how changed loan terms can improve your financial health. - [Take Charge of Your Finances](https://www.membersonenj.org/takechargeofyourfinances/) - Take financial control! Review budgets, check your credit, set goals, and tackle debt. Use free resources to build smart money habits and secure your future. - [Teaching Your Teen Good Financial Principles](https://www.membersonenj.org/teaching-your-teen-good-financial-principles/) - Help your teen build strong money habits with earning, budgeting, and saving strategies. Set them up for financial success with these key tips. - [Financial Planning for the New Year: Build a Strong Financial Foundation](https://www.membersonenj.org/financial-planning-for-the-new-year/) - Start the new year with solid financial planning. Build a strong financial foundation through smart credit card use and personal loans for future success. - [Interested in Being a Board Member?](https://www.membersonenj.org/boardmember/) - Discover essential resources and information for board members of Members Only NJ. Stay informed and engaged with the latest updates. - [What is Financial Wellness?](https://www.membersonenj.org/whatisfinancialwellness/) - Boost your financial wellness with tips, tools, and resources. Learn to break bad money habits, plan smart, and gain confidence in your financial future." - [10 Steps to New Year Financial Resolutions: Build and Stick to Your Plan](https://www.membersonenj.org/new-year-financial-resolutions/) - Follow these steps to create New Year financial resolutions that set you up for success and help you stay on track throughout the year with your finances. - [Watch Out For Smishing!](https://www.membersonenj.org/watch-out-for-smishing/) - Learn how to spot and avoid smishing scams, protect your personal info, and stay safe from cyber threats in this essential guide to secure texting. - [Scary Good Savings: How to Enjoy Halloween Without Haunting Your Budget](https://www.membersonenj.org/enjoy-halloween-without-haunting-your-budget/) - Celebrate Halloween with creative, budget-friendly tips for costumes, decorations, and treats that keep the holiday fun without breaking the bank. - [Black Friday & Cyber Monday: Savvy Shopping Tips Without Breaking the Bank](https://www.membersonenj.org/black-friday-cyber-monday-savvy-shopping-tips-without-breaking-the-bank/) - Discover savvy tips for Black Friday & Cyber Monday shopping to snag deals, avoid overspending, and make the most of holiday sales stress-free. - [Holiday Budgeting Tips: Keep Your Cheer and Your Finances Intact](https://www.membersonenj.org/holiday-budgeting-tips-personal-loans/) - Explore our holiday budgeting tips to stay in the green. With a little creativity, you can enjoy the season and keep your finances on track. Learn more. - [10 Best Things to Do in South Jersey for Local Experiences](https://www.membersonenj.org/things-to-do-in-south-jersey/) - Discover the best things to do in South Jersey, from historic sites to scenic parks that capture the unique region and the organizations that make it special. - [How to Be Financially Independent in College](https://www.membersonenj.org/how-to-be-financially-independent-in-college/) - Learn how to be financially independent in college by managing your own expenses, including food, clothing, and rent. Learn how to track and monitor spending. - [Career Opportunities at Members 1st](https://www.membersonenj.org/careeropportunities/) - At this time, we are not actively hiring for new positions. We value your enthusiasm and encourage you to check back periodically for future opportunities. - [Budgeting for Newlyweds: A Guide to Managing Your Finances](https://www.membersonenj.org/budgeting-for-newlyweds/) - Budgeting for newlyweds: 1) Start with Open Communication, 2) Create a Joint Budget, 3) Decide on Joint or Separate Accounts, 4) Establish an Emergency Fund, - [Buying a Home in NJ: A Thriving Market for Homebuyers](https://www.membersonenj.org/buying-a-home-in-nj/) - Learn all about buying a home in NJ. The Garden State offers a fantastic quality of life, with strong schools, vibrant communities, and a robust economy. - [Happy Home Improvements With the Best ROI](https://www.membersonenj.org/home-improvements-with-the-best-roi/) - Spring is the perfect time for updating your home. The good news is that the projects you’d like to do are probably the home improvements with the best ROI. - [Celebrating Halloween Doesn't Have to be Scary Expensive](https://www.membersonenj.org/celebrating-halloween-doesnt-have-to-be-scary-expensive/) - Check out these tips and tricks for having lots of Halloween fun without a lot of expense! Candy, costumes, party treats...see how to save during the holiday! - [Secure Holiday Shopping that Won't Break the Bank](https://www.membersonenj.org/secure-holiday-shopping-that-wont-break-the-bank/) - Our gift-giving guide is filled with unique gift ideas, all under $100! Plus, find out how Member’s 1st can make your shopping more secure this holiday season. - [83rd Annual Meeting of Members Highlights](https://www.membersonenj.org/annual-meeting-highlights/) - On Tuesday, September 22, 2020 Members 1st of NJ FCU welcomed 24 attendees to the 82st Annual Meeting, held virtually, via Zoom. This was the first, virtual annual meeting ever held. - [Are You Spending Too Much on Groceries?](https://www.membersonenj.org/are-you-spending-too-much-on-groceries/) - Spending Too Much on Groceries? | Members 1st of NJ FCU - [Conquer College Debt: How to Pay off Student Loans Faster](https://www.membersonenj.org/how-to-pay-off-student-loans-faster/) - For most college students, loans are usually unavoidable. But instead of dragging around the debt for years, find out how to pay off student loans faster. - [Investing in Your Future: Your Guide to Personal Loans to Further Education](https://www.membersonenj.org/guide-to-personal-loans-to-further-your-education/) - Consider investing in your future with the help of personal loans to further your education. - [The Importance of Having a Checking Account](https://www.membersonenj.org/the-importance-of-having-a-checking-account/) - The Importance of Having a Checking Account About 14 million adults in the U.S. do not have an account with a credit union or bank. Whether this is by choice or because they don’t think they qualify to open an account, they end up missing out on many financial services that make life easier. For - [Holiday Gift Cards](https://www.membersonenj.org/holidaygiftcards/) - Easily find the perfect holiday gift for every one-of-a-kind person on your list with CUMONEY® Visa® Gift Cards (virtual and plastic). Learn more now! - [Tax Solutions and Savings for Members](https://www.membersonenj.org/tax-solutions-and-savings-for-members/) - Tax season made easy for Members 1st of NJ Federal Credit Union members! Enjoy special savings with TurboTax and H&R Block. Learn more now and file with ease. - [New Visa Credit Card Payment Address](https://www.membersonenj.org/new-visa-credit-card-payment-address/) - Effective February 25, 2019, the new payment address for Visa Credit Cards from Members 1st is available online. Click to learn more. - [Tax Return Tips for Students](https://www.membersonenj.org/tax-return-tips-for-students/) - Students juggling part-time jobs may be eligible to file taxes for the first time. Discover tips on how to wisely spend your tax refund. Learn more now. - [Stay safe from these common scams](https://images.printable.com/nonimpositions/22712/457916/22712_457916_qoxsg2jb_press.html#new_tab) - Protect yourself from criminals who may try to steal your personal or financial information by being aware of trending scams. - [6 Reasons to Get a Personal Loan and Personal Loan Types](https://www.membersonenj.org/reasons-to-get-a-personal-loan/) - Learn about the reasons to get a personal loan and the types of personal loans available. A personal loan can be a powerful financial tool when used wisely. - [Tips for Saving Money & Better Money Management](https://www.membersonenj.org/tips-for-saving-money/) - We’re entering the annual season of gifting and giving, but it’s always a good time to think about better money management and raising your financial IQ. Learn more. - [7 Best Road Trips from NJ in the Fall](https://www.membersonenj.org/best-road-trips-from-nj/) - From the beautiful fall foliage to fun activities, this list has ideas for all ages. In this article, learn about the best road trips from NJ during the fall. - [#CUYouthMonth2024](https://www.membersonenj.org/cuyouthmonth/) - April is Credit Union Youth Month! Celebrate with us by learning how you can empower your children to be great savers. Open a Youth Account! - [Navigating Tax Season: Effective Ways to Prevent Financial Fraud](https://www.membersonenj.org/effective-ways-to-prevent-financial-fraud/) - Learn effective strategies to prevent financial fraud, especially during tax season with our tips to safeguard your finances and personal information. - [HELOC vs Home Equity Loan: Uses and Benefits of Each](https://www.membersonenj.org/heloc-vs-home-equity-loan-uses-and-benefits-of-each/) - HELOC vs home equity loan - which one is right for you? Members 1st Federal Credit Union has your back with this detailed comparison of the two options. - [5 Steps to a Financial Reset](https://www.membersonenj.org/financial-reset/) - A financial reset is a great way to reevaluate and reassess your money allocations for financial wellness. Follow these 5 steps to improve your finances. - [KOFE Club Savings](https://www.membersonenj.org/kofe-club-savings/) - New year, new you! Challenge yourself to save money this year – and get rewarded. Some find it difficult to save but with our KOFE Club Savings Challenge, it’s easy. KOFE (Knowledge of Financial Education) educates users in a financial way. For our members, KOFE is 100% free and easy to use. - [Tax Time With TurboTax™](https://www.membersonenj.org/tax-time-with-turbotax/) - SAVE MONEY. ACE TAX SEASON. Enjoy the perks of being a member. Because we love that you're a member of Members 1st of NJ Federal Credit Union, we're working to bring you special savings this tax season. Get a head start on your taxes and take advantage of member discounts that make filing your taxes - [Happy Holiday Fun: Winter Break in New Jersey](https://www.membersonenj.org/fun-things-to-do-winter-break-in-nj/) - Winter break in New Jersey doesn't have to be confined to home-sweet-home! Shake off your cabin fever, and step into one of these exciting NJ activities. - [TouchBanking Privacy Notice](https://www.membersonenj.org/touchbankingprivacynotice/) - TouchBanking – powered by Fiserv – helps you manage your money, view your transactions and accounts, making it easy to manage your finances on the go. TouchBanking provides the Services to users on behalf of their financial institution (“Members 1st of NJ FCU”) as a service provider. This Privacy Notice, in combination with relevant privacy - [ATM Skimming and Other ATM Scams to Be Aware Of](https://www.membersonenj.org/atm-scams-atm-skimming/) - ATMs are convenient for both bankers and scammers. Learn about the most common ATM scams, including ATM skimming, and how to protect yourself from these scams. - [Don't Fall Prey To Payday Lenders](https://www.membersonenj.org/dont-fall-prey-to-payday-lenders/) - Members 1st Federal Credit Union has some tips to avoid getting trapped by payday lenders and how we can help. - [Our Incredible 75-Year History Milestones](https://www.membersonenj.org/our-incredible-75-year-history-milestones/) - Click here to learn more about Members 1st Federal Credit Union in South Jersey and about our incredible 75-year history. - [Pass On The Savings...Refer a New Member Group!](https://www.membersonenj.org/pass-on-the-savings-refer-a-new-member-group/) - If your friends work for a company or organization that does not offer Member 1st membership, let them know they could enjoy the same financial benefits you do. - [Social Engineering Scams](https://www.membersonenj.org/social-engineering-scams/) - Don't fall for any variety of social engineering scams! Members 1st outlines the most common ones and how you can protect yourself. - [Get A Better Vehicle Deal](https://www.membersonenj.org/get-a-better-vehicle-deal/) - Members 1st Federal Credit Union can help you get a better deal on your new or used vehicles. Click here to find out how. - [Where Does Your Financial Life Stand?](https://www.membersonenj.org/where-does-your-financial-life-stand/) - When should you come to Members 1st Federal Credit Union? Click here to find out when we can help with our wide variety of services. - [Loan Protection For The Unexpected](https://www.membersonenj.org/loan-protection-for-the-unexpected/) - Take advantage of Member’s Choice™ Borrower Security protection in the event of an unexpected life event, like injury or death. Click here to learn more. - [Get Your Tax Refund Faster](https://www.membersonenj.org/get-your-tax-refund-faster/) - Members 1st Federal Credit Union in NJ offers some tips on how to get that coveted tax refund faster. - [24/7 Banking: Faster, Easier & More Convenient](https://www.membersonenj.org/faster-easier-more-convenient/) - Click here to learn all about the benefits of 24/7 accounts and services and what makes Members 1st Federal Credit Union in South Jersey stand out. - [Refer A New Member Group!](https://www.membersonenj.org/refer-a-new-member-group/) - If someone you know works for a company or organization that does not offer Members 1st membership, let them know all of the benefits and tell them to join us! - [Home Improvement Paybacks](https://www.membersonenj.org/home-improvement-paybacks/) - Before you begin your home renovations, you should take a look at the list here to see if you will get the most bang for your buck. - [Car Buyers Road Map](https://www.membersonenj.org/car-buyers-road-map/) - Members 1st Credit Union of South Jersey is here with tips on how to get a great deal on better, new, or used vehicles. Click to read. - [Home Improvements That Are Worth The Money](https://www.membersonenj.org/home-improvements-that-are-worth-the-money/) - If you're thinking of selling your home in the next few years, Members 1st CU provides you with the current paybacks for some of the most common improvements. - [Transfer Your Credit Card Balances And Save!](https://www.membersonenj.org/transfer-your-credit-card-balances-and-save/) - Transfer your high interest rate credit card balances to a new or current Members 1st VISA Platinum Card and save! Click here to learn how. - [Important News for our Bill Pay users!](https://www.membersonenj.org/important-news-for-our-bill-pay-users/) - Members 1st of NJ FCU is upgrading our current Bill Pay System. All access to Bill Pay will be suspended during the following period: Tuesday, November 18, 2014 6:30 PM to Thursday, November 20, 2014 10:30 AM. Any payments scheduled to be paid during this period will process as normal. When you connect to Bill - [Kids and Budgeting](https://www.membersonenj.org/kids-and-budgeting/) - You can start teaching your children about finances at any age to help them achieve solid values and financial success. In fact, many believe the earlier, the better! Budgeting Make a list with your child of everything he or she spends money on. It can include video games, coloring books, trading cards, candy, school supplies, - [We Make Buying A Home Easy](https://www.membersonenj.org/we-make-buying-a-home-easy/) - Members 1st can help you with one of the biggest purchases you'll ever make – a home. Our different products and services can turn your dream of homeownership into a reality. Tips for the Homebuyer Stop by Members 1st for your free consultation. We'll find a loan amount suitable for your budget and help you - [Protection For What Matters](https://www.membersonenj.org/protection-for-what-matters/) - Now is a great time to take a look at what insurance protection you have for you and your family. As a credit union member, you have access to TruStage Insurance. This company offers products for life, car, AD&D, long-term care, home, and more to give you the proper coverage. To learn more, get quotes - [Traveling This Spring Or Summer?](https://www.membersonenj.org/traveling-this-spring-or-summer/) - Your accounts are always close by with the CO-OP Shared BranchSM network. You can withdraw cash, make deposits, check account balances, and more at 5,000+ locations in the United States, Belgium, Germany, Italy, Guam, the Netherlands, the United Kingdom, and Puerto Rico. So, no matter if you're on traveling for work or pleasure, you can - [Focus On Youth](https://www.membersonenj.org/focus-on-youth/) - At Members 1st, we help our young members gain financial independence. Once kids are able to understand the ideas of saving and spending, we start teaching them how to save and how to be smart about their money. As they get older and become teenagers, we teach them about checking accounts and loans. We offer - [You And Your Score](https://www.membersonenj.org/you-and-your-score/) - Your credit score is your financial history and profile, comprised of a score that represents the likelihood you will repay your obligations on time. Your credit score can include: How promptly you pay off credit cards and loans. How consistently you pay rent, utilities, and other regular expenses. How much debt you have outstanding, and - [Start Saving Today](https://www.membersonenj.org/start-saving-today/) - It’s Easy To Save For Retirement Or Your Children’s College Education With An IRA From Members 1st of NJ FCU Individual Retirement Accounts (IRAs) are great investment options with more flexible eligibility requirements, provisions for penalty-free withdrawals and tax-exempt earnings potential. The credit union offers two IRA products to meet your saving and investment needs. - [CUDL AutoSmart](https://www.membersonenj.org/cudl-autosmart/) - CUDL® Car Smart Resources: Get the information you need to buy a new or used vehicle, including tips, reviews, ratings, CarFax® used vehicle history, and more. - [Cyber Security Tips](https://www.membersonenj.org/cyber-security-tips/) - Identity thieves are always out to trick you to get your personal/financial information. You must remain diligent in protecting yourself. They try to trick you via email, phone calls, mail, and even in person. Do not share anything with them! Members 1st of NJ FCU will NEVER solicit you for your personal/financial information. Here are - [Save With Free Checking!](https://www.membersonenj.org/save-with-free-checking/) - With a free Checking Account from Members 1st of NJ FCU, you can focus on managing your money instead of fees. In addition to no fees, you also get: No Minimum Balance No Monthly Service Charge No Per Check Charges Dividends (only $300 average balance) VISA® Check Card & ATM Cards Free Co-Op Shared Branching Locations - [New Contact Information?](https://www.membersonenj.org/new-contact-information/) - Please let Members 1st of NJ FCU know if you have a new email address, phone number, address, or name. By having your current information, you can be sure to receive all proper communications from the credit union. Thank you for your cooperation. - [Keep Your Identity Safe and Secure](https://www.membersonenj.org/keep-your-identity-safe-and-secure/) - Identity thieves have more access than ever to your personal information. Click here to read some tips from Members 1st FCU in South Jersey on how to stay safe. - [Debit and Credit Card Skimming](https://www.membersonenj.org/debit_and_credit_card_skimming-scams/) - In the last decade cyber-frauds have arisen using increasingly sophisticated technologies...all aimed at separating you from your money. One such fraud prevalent today is debit and credit cards skimming. Skimming is an attempt to hijack your personal information and your identity by tampering with ATM machines. Fraudsters set up a device that capture the debit - [Visa Account Updater](https://www.membersonenj.org/visa-account-updater/) - Visa Account Updater (VAU) As of October 1, 2017, you will be automatically enrolled in Visa Account Updater. Visa Account Updater facilitates seamless automatic update of payment information when you receive a new or reissued card. This service will automatically update the card number and/or expiration date with any merchants on file set-up for recurring payments. Cardholder - [Wrap Up Your Holiday Shopping With Members 1st](https://www.membersonenj.org/wrap-up-your-holiday-shopping-with-members-1st/) - Members 1st of NJ offer Visa Gift Cards – the perfect gift for the holidays. Holiday Visa Gift Cards Members 1st Visa Gift Cards are perfect for any occasion - holidays, birthdays, weddings & such much more. You choose the design, they choose what to buy. Convenient Accepted worldwide For a small fee of $3.00 Stop by any - [7 Tips to Avoid Identity Theft](https://www.membersonenj.org/7-tips-to-avoid-identity-theft/) - Every two seconds an American becomes a victim of identity theft. If the thought of having to clean up your credit report because someone stole your identity frightens you, and you don’t want to become another statistic; here are some tips to stack the odds in your favor. A winning night, can turn into a - [Credit Sense℠](https://www.membersonenj.org/credit-sense/) - See the new features of our mobile app and how they can help you with credit score, credit report, and more. - [Celebrating Our 80th Year Milestone](https://www.membersonenj.org/celebrating-our-80th-year-milestone/) - Your Credit Union was founded in 1938 as the Cumberland Teachers Federal Credit Union. Our founders saw the need for a not-for-profit cooperative that would provide its members with lower cost financial services, as well as represent their best interests, regardless of their station in life. Credit Union Milestones 1938 - Your credit union was founded with only seven original members. - [Save on Vacation Rentals](https://www.membersonenj.org/save-on-vacation-rentals/) - Lodging expenses can eat up a huge chunk of your vacation savings. Check out these websites to help you save on vacation rentals. - [Road Ready: Should I Buy a New or Used Car](https://www.membersonenj.org/should-i-buy-a-new-or-used-car/) - You know you need a car, but with countless possibilities, you need to look at how to start your car buying journey. We're here to help you decide whether to buy a new or used car. - [8 Holiday Shopping Safety Tips](https://www.membersonenj.org/8-holiday-shopping-safety-tips/) - As you prepare your list of perfect gifts, here are some safety tips to keep in mind when shopping online or going to department stores. - [Don’t Wait …Use Your Tax Refund Direct Deposit](https://www.membersonenj.org/tax-refund-direct-deposit/) - Click to learn more about how to get your tax refund in as little as 10 days by using direct deposit from Members 1st of New Jersey Federal Credit Union. - [New Tax Reform Law: 5 Reasons You Should Start Planning](https://www.membersonenj.org/new-tax-reform-law/) - With so many changes to the new tax reform law, it’s more important than ever to plan for next tax season now. Read the five reasons you should start planning. - [Tax Reform - What You Need to Know](https://www.membersonenj.org/tax-reform-what-you-need-to-know/) - Tax reform is here … how will it affect you this tax season? About 42% of surveyed taxpayers don’t know if the new tax law will benefit them. Members 1st of NJ Federal Credit Union is here to help, providing you with information about the new tax laws and keeping you up to date. Don’t - [Essential Tips for First Time Home Buyers](https://www.membersonenj.org/tips-for-first-time-home-buyer/) - Are you a first time home buyer? We have the financial blueprint for you here. - [Pick the Best Credit Card for Me](https://www.membersonenj.org/best-credit-card-for-me/) - Choosing the right credit card is driven by a clear understanding of your spending style and desire for reward program incentives. Read more to find the best credit card for you. - [Celebrating our 100th Reality Fair!](https://www.membersonenj.org/celebrating-our-100th-reality-fair/) - NJ CU Foundation Hosts its 100th Reality Fair! Southern Credit Unions Collaborate to Bring Financial Literacy Experience to Millville Memorial High School, Marking a Milestone for the Foundation MILLVILLE, N.J. – Bay Atlantic FCU, Members 1st of NJ FCU, and Thunderbolt Area FCU teamed up once again to bring the hands-on personal finance experience to - [81st Annual Meeting](https://www.membersonenj.org/81st-annual-meeting/) - Members 1st of NJ Federal Credit Union honors 81 years of serving its members. Members 1st of NJ FCU originated in 1938 as the Cumberland Teachers Federal Credit Union. Starting with only seven members, we now benefit over 8,000 members from nearly 150 select employer groups and continue to grow. Please Join Us We invite all members and their families - [Car Buying Guide: Better Vehicle Options With You in Mind](https://www.membersonenj.org/car-buying-guide/) - Get behind the wheel of a car you’ll love – and feel confident with your purchase. Our auto buying options will put you in the driver’s seat. - [Join Us for our Spring Shred Event](https://www.membersonenj.org/join-us-for-our-spring-shred-event/) - Spring has sprung! While doing your spring cleaning, remember to gather up to five boxes of PAPER to bring to our event. Safely shred junk mail, old magazines, letters, or any general paper you may have. Benefits of shredding your paper items include: not having to worry about who finds your trashed mail, preventing identity theft, and - [10 Money-Saving Summer Budget Tips](https://www.membersonenj.org/10-money-saving-summer-budget-tips/) - Summer has officially kicked off, which means that it’s a good time to set a summer budget. A summer budget can help you maintain stability over the next few months, so you can avoid credit card debt. With that in mind, the experts at KOFE have some tips that can help you build a budget that will help you stay on track this season. - [#FeelGoodFriday: Teacher Mini Grant Experience](https://www.membersonenj.org/feelgoodfriday-teacher-mini-grant-experience/) - Last year, we awarded 25 teachers with mini grants in order to fund a classroom project for their students. In order to be considered for the mini grants, the teachers had to apply and explain what their project would entail. - [Creating a Home Improvement Budget](https://www.membersonenj.org/home-improvement-budget/) - A home improvement project takes on many shapes and sizes. Follow our easy guide to creating a home improvement budget. - [Managing Credit Card Debt](https://www.membersonenj.org/managing-credit-card-debt/) - Drowning in credit card debt? Check out our guide to help you manage that debt. - [Dealership Extended Warranty vs. Credit Union Services](https://www.membersonenj.org/dealership-extended-warranty-vs-credit-union-services/) - As an alternative to an extended warranty, turn to Members 1st of NJ for affordable credit union services options for an IWS Vehicle Plan which includes: - [Smart Holiday Shopping Tips](https://www.membersonenj.org/smart-holiday-shopping-tips/) - Plan carefully so credit card debt and ID theft don’t dampen your holiday cheer. By: Meghan Alard According to the National Retail Federation, the average family expects to send over $1,000 this year – $1,007.24, to be exact. That’s an increase of 4.1% from last year. There are three big categories of spending this year: $637.67 - [End of Year Financial Tips](https://www.membersonenj.org/end-of-year-financial-tips/) - If you’re like many people, your finances aren’t high on your list of priorities now. According to the National Retail Federation, the average family expects to spend over $1,000 on Christmas this year. - [New Years Savings Tips](https://www.membersonenj.org/new-years-savings-tips/) - The path to financial stability and freedom starts with a single dollar saved. What better time to start a savings account, than at the start of a new year. Read our latest post on saving in 2020. - [Coronavirus Response](https://www.membersonenj.org/coronavirus-response/) - Coronavirus Preparedness and Plan There is no higher priority to Members 1st of NJ FCU than the safety of our members, employees, and the communities we serve. In light of recent developments with respect to the coronavirus, we are implementing additional precautionary measures and have provided information to help you stay prepared and safe. We - [Managing Your Finances During the COVID-19 Pandemic](https://www.membersonenj.org/managing-your-finances-during-covid-19/) - Members 1st of NJ is offering online emergency loans during this pandemic. Contact us for your financial management needs today. - [Green Loans](https://www.membersonenj.org/green-loans/) - What is a green loan? Learn more about Members 1st of NJ’s energy-efficient loan program today. - [Deposits Are Safe in Federally Insured Credit Unions](https://www.membersonenj.org/deposits-are-safe-in-federally-insured-credit-unions/) - The National Credit Union Administration is reminding credit union members of the safety of their deposits in federally insured credit unions. - [How to Invest Your Government Stimulus Check](https://www.membersonenj.org/how-to-invest-stimulus-check/) - Here are a few ways to invest your $1200 by prioritizing your spending. - [Helping Your Teen Find the Right Car](https://www.membersonenj.org/helping-your-teen-find-the-right-car/) - Help Your Teen Find the Right Car It's essential to consider safety, affordability, and reliability when purchasing a teen's first car, according to William Van Tassel, Ph.D., manager of driver training programs for the American Automobile Association (AAA). Van Tassel says teens need to learn what it costs to drive. Parents can start the process - [Create Simple Joys Together](https://www.membersonenj.org/summer-visa/) - We’re here to help you plan for a bright financial future! If you’re looking to plan for your family’s future, save to own a home someday, or simply build up savings for a better financial future, Members 1st of NJ is here to help! How Your Credit Union Can Help Planning for a Better Future - [Gen Z and Personal Finances](https://www.membersonenj.org/gen-z-personal-finances/) - Check out our list of tips to help our future leaders of Gen Z become financially responsible. - [Protecting Yourself at an ATM](https://www.membersonenj.org/protecting-yourself-at-an-atm/) - There are several precautions, you as a member can take to increase your personal safety when using ATMs. Your safety at an ATM is about being prepared. - [Refinancing Auto Loans](https://www.membersonenj.org/refinancing-auto-loans/) - Your wallet has the potential to get a bit heavier through the process of refinancing your auto loan. - [Safe Car Shopping from Home](https://www.membersonenj.org/safe-car-shopping-from-home/) - If you’re interested in purchasing a vehicle without visiting a dealership, check out this guide for safe car shopping from home. - [5 Smart Money Moves to Make This Fall](https://www.membersonenj.org/5-smart-money-moves-to-make-this-fall/) - As the leaves begin to change color, it's time to start thinking about your year-end money strategy. The fall and winter holidays are closer than you think. Use the following strategies to make the rest of the year count. Clean out your closet. You looked into your closet and decided you have nothing to wear. - [2020 Best Holiday Gift Ideas](https://www.membersonenj.org/2020-best-holiday-gift-ideas/) - We made it easy for you this year with a little guide to the best holiday gift ideas, equipped with presents fit for everyone in your life! - [My Financial Fitness](https://www.membersonenj.org/my-financial-fitness/) - Managing your money just got easier. My Financial Fitness is a personal financial management tool. Find it when you log into your online banking or mobile app! - [Looking for your stimulus check?](https://www.membersonenj.org/looking-for-your-stimulus-check/) - Although we are in 2021, there are many effects of 2020 carrying into the new year. For example, many American’s are expecting their stimulus check from the federal government as part of the 2021 American Rescue Plan to help with economic difficulties caused by the pandemic. Using our Online Banking Virtual Branch or mobile app - [Tips for Bettering Financial Wellness in 2021](https://www.membersonenj.org/2021-financial-wellness-tips/) - Kick-off the year strong and lock in a few resolutions that you can actually keep with these financial wellness tips. - [CU Visa Gift Cards](https://www.membersonenj.org/visa-gift-cards/) - Celebrate loved ones and choose a gift they love. Get your loved ones a VISA gift card they can easily use anywhere VISA is accepted. - [What Are the Benefits of Refinancing?](https://www.membersonenj.org/what-are-the-benefits-of-refinancing/) - What are the benefits of refinancing? Here’s how you can save this year on vehicle, credit card, and personal loans. - [Step in a New Direction](https://www.membersonenj.org/step-in-a-new-direction/) - Are you looking to take your finances in a new direction this year? A CUMONEY® Visa® Everyday Spend reloadable debit card can get you started. With convenient online card controls, it's the easy way to manage your spending. Safe, flexible money management Convenient online card controls Simple budgeting tool Perfect for smart tax refund use - [Tips on How to Improve Your Credit Score](https://www.membersonenj.org/improve-your-credit-score/) - With some adjustments to your financial plan, you can boost your credit. Follow these tips on how to improve your credit score and credit history! - [Money-Saving Tips for Families](https://www.membersonenj.org/money-saving-tips-for-families/) - Money-Saving Tips for Families As the saying goes, “the more the merrier.” However, when it comes to your finances, more family members can mean more complicated money situations. No matter how many people are in your family, there are several ways to get everyone involved in keeping costs down. These five tips can help. 5 - [Spring Sweepstakes](https://www.membersonenj.org/spring-sweepstakes/) - Make smart money moves & watch it pay off. Form great financial habits with smart money moves Kick your financial routine into gear with smart money moves! - [Branch Closing: Woodstown](https://www.membersonenj.org/branch-closing-woodstown/) - Our Woodstown Branch, at 9 N. Main St., Woodstown, NJ 08098, is closing. The last day it will be open is Thursday, April 29, 2021. We thank the Borough of Woodstown for being one of our homes for all these years. Our Vineland and Hopewell offices remain open for any of your banking needs, in - [Ready to Trade in Your Car?](https://www.membersonenj.org/ready-to-trade-in-your-car/) - Is it time to finally trade in your car? Here’s how to lock in a game plan if you’re thinking about making the switch to a ride that’s right for you. - [Better Habits = Better Finances](https://www.membersonenj.org/better-habits-better-finances/) - They say it takes 21 days to create a habit, here’s a look at why it’s worth the effort when it comes to your money As I write this, I am sitting in my exercise clothes in my kitchen, drinking my coffee. I will stay in these clothes – through for the next several hours, - [Refer a Member](https://www.membersonenj.org/refer-a-member/) - Help someone you love to find a better way to bank. When you refer a new, eligible member in May (and that individual opens an account), you'll be entered into a raffle for a $25 gift card! Refer immediate family members, those who live in your household, or someone who is a part of one - [Payment Protection Options](https://www.membersonenj.org/payment-protection-options/) - Protect Your Vehicle Investment With Gap Insurance When your vehicle is stolen or damaged beyond repair, your insurance company may only pay what your new or used vehicle is worth, not your total loan balance. MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an insurance policy that helps cover the difference between your new or used - [What Are Home Equity Loans Used For?](https://www.membersonenj.org/what-are-home-equity-loans-used-for/) - What are home equity loans used for? Fund a renovation, major purchase, or just about anything with a home equity loan or HELOC. - [What You Need to Know About The 2021 Child Tax Credit](https://www.membersonenj.org/what-you-need-to-know-about-the-2021-child-tax-credit/) - IRS sets dates for advance child tax credit payments for more than 36 million families. In June, more than 36 million eligible American families are expected to receive a letter in the mail from the Internal Revenue Service about monthly child tax credit payments slated to start on July 15. Eligible families should begin receiving - [What to Consider When Applying for a Home Equity Loan](https://www.membersonenj.org/what-to-consider-when-applying-for-a-home-equity-loan/) - Is a home equity loan a good idea? Let's break it down. - [Manage Your Credit Cards Better](https://www.membersonenj.org/manage-your-credit-cards-better/) - U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion. The Credit Card Accountability, Responsibility and Disclosure (CARD) Act protections, which went into effect in February 2009, require card issuers to disclose rates and other information more clearly. This should make it easier for consumers to monitor what they - [Tame Your Back-to-School Spending in Four Easy Steps](https://www.membersonenj.org/tame-your-back-to-school-spending-in-four-easy-steps/) - Follow these tips before hitting the stores to save on classroom supplies It’s mind-boggling how quickly the most basic items on your back-to-school shopping list can add up to big bucks. A new survey shows parents are expected to spend more than ever before on new clothes, classroom supplies and the electronics many students want - [Why Refinance an Auto Loan?](https://www.membersonenj.org/why-refinance-an-auto-loan/) - Why refinance an auto loan? The end game is simple -- more money in your pocket. Read on for specific reasons why you should consider making the switch. - [Creative Ways to Save Money All Year](https://www.membersonenj.org/creative-ways-to-save-money-all-year/) - Saving money and paying off high-interest loans promote a person’s well-being. That’s why we’re sharing some creative ways to save money all year long. - [6 Tips for Car Shopping During COVID](https://www.membersonenj.org/6-tips-for-car-shopping-during-covid/) - With lockdowns and supply chain disruptions, it’s a new world out there for car buyers. Here are some great tips for car shopping during COVID. - [Kid-Friendly Food Drive](https://www.membersonenj.org/kid-friendly-food-drive-2/) - M1NJFCU is joining with area credit unions to raise food for the children in our areas. Please drop off nonperishable items to our Vineland or Hopewell office. - [Ways to Save Money This Holiday Season](https://www.membersonenj.org/ways-to-save-money-holidays/) - With all the promotional holiday deals, it’s easy to spend more money than save. Learn our tips for the best ways to save money this holiday season. - [Federal Student Loan Relief Program](https://www.membersonenj.org/federal-student-loan-relieft-program/) - On Hold: Federal Student Loan Relief Program Blocked: After more than 26 million people applied, a Texas federal court judge blocked the loan forgiveness program. - [Inflation-Driven Cash Crunch](https://www.membersonenj.org/inflation-driven-cash-crunch/) - The inflation crunch is causing Americans to turn to an ill-advised source -- their retirement accounts. See other ways to deal with the effects of inflation. - [5 Tips for Surviving Inflation](https://www.membersonenj.org/5-tips-for-surviving-inflation/) - Struggling to make ends meet in a time of increasing prices? Check out these 5 tips for surviving inflation and keeping your finances healthy! - [10 Tips to Avoid Financial Fraud Especially During Tax Time](https://www.membersonenj.org/10-tips-to-avoid-financial-fraud-especially-during-tax-time/) - Protect yourself from tax season fraud with these 10 essential tips provided by Members 1st Federal Credit Union, your trusted financial institution. - [Tips for Refinancing Credit Card Debt](https://www.membersonenj.org/refinancing-credit-card-debt/) - Tips to Help Refinance Credit Card Debt: • What is Credit Card Refinancing? • Does Refinancing Hurt Your Credit Score? • Ways to Refinance. - [Discover the Benefits of a Credit Union for School Employees](https://www.membersonenj.org/discover-the-benefits-of-a-credit-union-for-school-employees/) - Learn the benefits of a credit union including personalized services and competitive rates and how Members 1st is tailored to fit the needs of school employees. - [How to Save When Buying a Car - 5 Tips](https://www.membersonenj.org/how-to-save-when-buying-a-car/) - If you are in the market to buy a new or used vehicle, you may have a lot of things to consider when it comes to costs. Every effort to cut costs can make a difference - especially in this market where car inflation is high. In this article, we have come up with 5 - [Savvy Tips for Improving Financial Health](https://www.membersonenj.org/savvy-tips-for-improving-financial-health/) - Savvy Tips For Improving Financial Health • Make it Automatic • Stock Your Fund • Pay Down Debt • Invest in the Future • Check Your Report - [Fraud Alert](https://www.membersonenj.org/fraud-alert-2/) - Members 1st has been receiving reports of members getting phone calls supposedly coming from us. Click to read about the fraud alert and how to stay protected. - [We're Here For You!](https://www.membersonenj.org/we-are-here-for-you/) - At Members 1st, we care about you and your financial well-being. If you're experiencing financial difficulty or need assistance, contact us right away. We're your partner - through good times and the more challenging ones. - [How to Avoid Imposter Scams](https://www.membersonenj.org/how-to-avoid-imposter-scams/) - How to Avoid Imposter Scams This year’s focus for Military Consumer Month features advice we can all use. By: Meghan Alard July is National Military Consumer Month. It’s a month where the Federal Trade Commission focuses on helping military Service Members, Veterans and their families learn about key consumer protections they need to be successful. For - [Tips to Avoid Fraud](https://www.membersonenj.org/tips-to-avoid-fraud/) - Fraud continues to become more and more prevalent, especially in the banking world. Here are tips to help avoid falling into the hands of fraud: • A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message - [Fraud Text Alert - Do Not Respond](https://www.membersonenj.org/fraud-alert/) - Members 1st has been made aware of a current phishing scam involving our members. Click here to learn about it and how to protect yourself. - [Wawa Security Breach](https://www.membersonenj.org/wawa-security-breach/) - Dear Members, You've likely heard of the malware found on Wawa's processing servers that were discovered on December 10, 2019. According to their Notice of Data Breach, "This malware affected customer payment card information used at potentially all Wawa locations beginning at different points in time after March 4, 2019 and until it was contained." - [Tips To Avoid The Rise In Violent ATM Robberies](https://www.membersonenj.org/tips-to-avoid-rise-in-violent-atm-robberies/) - Robberies at ATMs across the country are on the rise. Click here to read some tips on how to stay safe. - [Think Twice Before You Meme](https://www.membersonenj.org/think-twice-before-you-meme/) - Think Twice Before You Meme Earlier this year, a Facebook meme went around called “10 Bands I’ve Seen, And One Is a Lie.” Posters then listed the names of nine bands they’d seen and one that they hadn’t, and their friends had to guess which was the lie. The person sharing the list often included - [Don’t Get Trapped By Payday Lenders](https://www.membersonenj.org/dont-get-trapped-by-payday-lenders/) - Members 1st Federal Credit Union has some tips to avoid getting trapped by payday lenders and how we can help. ## Pages - [New Home](https://www.membersonenj.org/) - Members 1st of NJ is a federally chartered credit union serving Cumberland and Salem County. Visit our Vineland, Hopewell, or Millville branch today. - [Fund Your Next Getaway with Members 1st of NJ](https://www.membersonenj.org/fund-your-next-getaway-with-a-3000-vacation-loan-from-members-1st-of-nj/) - Pack Your Bags, Not Your Credit Cards. ✈️ Get up to $3,000 for your dream getaway with an affordable 8.00% APR* Vacation Loan. Why Choose a Members 1st of NJ Vacation Loan? Whether you’re planning a relaxing beach escape, a family theme park adventure, or a quick weekend road trip, we make financing your memories - [Contact Members 1st Credit Union](https://www.membersonenj.org/about-us/contact-us/) - Contact Members 1st Credit Union in South Jersey. Credit unions in NJ include Bridgeton and Woodstown, New Jersey. - [Personal Loans in NJ](https://www.membersonenj.org/loans/personal-loans/) - Explore secured and unsecured personal loans from Members 1st of NJ FCU, with options for bad credit. Check rates and apply online. - [Home Equity Loan & HELOC Rates in NJ](https://www.membersonenj.org/loans/home-equity-loan-rates/) - Compare home equity loan and HELOC rates from Members 1st of NJ FCU. Tap your home's equity and apply online today. - [Auto Loan Rates in NJ: New & Used Car Loans](https://www.membersonenj.org/loans/vehicle-loans/) - Get low auto loan rates on new and used cars from Members 1st of NJ FCU. Compare current rates and apply online in minutes. - [Locations, ATMs & Hours](https://www.membersonenj.org/about-us/locations-atms-hours/) - Click here to find the locations, ATMs, and hours of Members 1st Federal Credit Union in South Jersey. - [Turn Your Home Equity
Into Your Best Summer Ever](https://www.membersonenj.org/summer-home-equity-special/) - From building a backyard oasis to wiping out high-interest debt, put your hard-earned equity to work with effortless local lending. Fixed-Rate Home Equity Loan: As low as 4.75% APR Flexible HELOC options Apply for a Home Equity Loan Apply for a HELOC ⭐️⭐️⭐️⭐️⭐️ I have been a member at this credit union for over 20 - [Visa Credit Cards](https://www.membersonenj.org/loans/visa-credit-cards/) - Transfer your high interest cards to a Members 1st VISA. With a lower interest rate and no or low fees, you can save money instantly. Click to get the details. - [Member Benefits](https://www.membersonenj.org/member-benefits/) - Being a member has its perks! Join Members 1st of New Jersey and take advantage of great offers on entertainment, auto care, and more! - [Members 1st Loans](https://www.membersonenj.org/loans/) - If you're looking for auto, home, or personal loans, Members 1st Federal Credit Union in South Jersey is here to help! Learn more about Members 1st loans. - [Newsletter Archive](https://www.membersonenj.org/cu-news-events/newsletter-archive/) - Read and enjoy the most current and past issues of the Members 1st of New Jersey Federal Credit Union newsletter. - [Private Student Loan Program](https://www.membersonenj.org/loans/student-loans/) - If federal loans are not enough to cover your college education, our private student loan program at Members 1st could be the funding resource you need. - [More Services](https://www.membersonenj.org/services-resources/more-services/) - Click here to learn about the rest of the great services Members 1st Federal Credit Union offers, including direct deposit and payroll deduction. - [CO-OP Shared Branches](https://www.membersonenj.org/services-resources/cu-service-centers/) - Members 1st FCU is proud to be a member of the Co-Op Shared Branch SM network, which includes over 5,000 other credit unions where you can access your accounts. - [Knowledge of Financial Education® - KOFE](https://www.membersonenj.org/kofe/) - Members 1st has partnered with KOFE to provide its members with free resources and tools to improve your financial wellness. Discover how to be financially fit. - [Share Draft Checking Accounts](https://www.membersonenj.org/deposit-accounts/share-draft-checking/) - Click here to get more details about Members 1st Credit Union of South Jersey's Share Draft Checking Account with no minimum balance or monthly service charges. - [Mobile Banking](https://www.membersonenj.org/services-resources/members-1st-mobile-banking/) - When you're on the go the Members 1st Mobile Banking NJ Credit Union app makes it convenient to manage your money using any internet ready device. - [Debit Card Round Up Feature](https://www.membersonenj.org/debitcardroundup/) - Boost your savings effortlessly with our Round-Up feature! It's simple, automatic, and a great way to save without thinking about it. - [Calendar](https://www.membersonenj.org/calendar/) - View upcoming events, meetings, and community activities at Members 1st Federal Credit Union in South Jersey. Stay connected with our calendar - [Start Fresh This Spring — With a Better Auto Loan](https://www.membersonenj.org/spring-auto-loan/) - Start fresh this spring with a lower auto loan rate and no payments for 60 days. Finance new or used or refinance to save. Apply with Members 1st today. - [Become A Member](https://www.membersonenj.org/about-us/join-members-1st/) - Do you want to become a member of Members 1st Federal Credit Union? Click here to find out how to do it and if you're eligible for our credit unions in South Jersey. - [Member Groups](https://www.membersonenj.org/about-us/member-groups/) - Click here to find out if you're eligible to join Members 1st Federal Credit Union. We are dedicated to providing exceptional financial services. - [Mission](https://www.membersonenj.org/about-us/mission/) - Click here to learn about the mission of Members 1st of New Jersey Federal Credit Union in South Jersey. - [Services & Resources](https://www.membersonenj.org/services-resources/) - Members 1st Credit Union offers a wide range of financial services and resources to help you manage your money. Explore our offerings today! - [Payday Alternative Loans](https://www.membersonenj.org/payday-alternative-loans/) - Members 1st Credit Union offers payday alternative loans to members. Learn more here. - [Kasasa Saver®](https://www.membersonenj.org/kasasa-saver/) - Save money without a second thought. Just link your Kasasa® checking to this free account that pays a high rate. And your Kasasa accounts are always free! - [Money Market Accounts](https://www.membersonenj.org/deposit-accounts/money-market-accounts/) - When you want to earn more on your savings and still be able to access your money when you need it, a Members 1st Money Market Account is the right choice. - [Members 1st Online Banking](https://www.membersonenj.org/services-resources/members-1st-online-banking/) - With Members 1st Online Banking, your finances are available online 24 hours a day from any computer with Internet access. Learn more about online banking here. - [Forms & Applications](https://www.membersonenj.org/services-resources/forms-applications/) - Members First makes it easy to apply for the loans you need. Click here to see our online applications or print them out and bring them to our nearest branch. - [Start Fresh in 2026](https://www.membersonenj.org/startfresh/) - Combine high-interest debt into one easy, more manageable payment with a debt consolidation loan from Members 1st of NJ. See the benefits and apply online. - [Short Term Loans](https://www.membersonenj.org/short-term-loans/) - Members 1st FCU offers New Jersey short term loans to members under certain guidelines. Learn more here. - [Introducing QuickCash!](https://www.membersonenj.org/quickcash/) - Need fast cash? A Quick Cash Loan delivers funds to your account in under a minute. This smart alternative to high-cost loans provides quick financial relief. - [Share Certificates](https://www.membersonenj.org/deposit-accounts/share-certificates/) - Members 1st's share certificates are the perfect, no-risk solution when you are looking to diversify your stock portfolio or need additional income. - [Vineland, New Jersey](https://www.membersonenj.org/vineland-new-jersey/) - Join Members 1st credit union in Vineland, New Jersey for local banking, reliable service, and low-rate loans. Serving residents in Cumberland County. - [Millville/Thunderbolt Area Credit Union](https://www.membersonenj.org/millville-new-jersey/) - Visit the Members 1st branch in the Millville/Thunderbolt area. Our credit union offers local banking, low-rate loans, and personal, professional service. - [Credit Union in Bridgeton NJ](https://www.membersonenj.org/bridgeton-new-jersey/) - Get personalized, local service at our Bridgeton, NJ credit union. We offer low-rate loans, checking, and savings to residents across Cumberland County. - [Thunderbolt Area FCU Joins Members 1st of NJ](https://www.membersonenj.org/thunderbolt-area-fcu-joins-members-1st-nj/) - Discover the benefits of the Thunderbolt Area FCU merger with Members 1st of NJ! Expanded services, enhanced resources, and more for our valued members. - [Download Disclosures](https://www.membersonenj.org/services-resources/download-brochures/) - Click here to learn more about Member 1st Federal Credit Union in South Jersey's products and services by downloading the brochures you need. - [Club Accounts](https://www.membersonenj.org/deposit-accounts/club-accounts/) - Members 1st's Summer Savings, Vacation, and Christmas Club accounts are a great way to guarantee you’ll have the money you want when you need it. - [Thank You for Your Inquiry](https://www.membersonenj.org/thank-you-heloc/) - Your Home Equity inquiry has been submitted. A Members 1st representative will contact you shortly to continue the application process. In the meantime, learn more about the benefits and services of Members 1st FCU: Frequently Asked Questions Virtual Branch Online Banking More Services - [Kasasa Cash Back® Checking](https://www.membersonenj.org/kasasa-cash-back-checking/) - Earn cash back on debit card purchases with a free Kasasa Cash Back® checking account—no monthly fees, no minimum balance, plus nationwide ATM fee refunds! - [Better Debt Management with You in Mind](https://www.membersonenj.org/better-debt-management/) - Simplify your finances with Members 1st NJ. Explore debt management solutions like low-rate balance transfers & personal loans. Apply now for relief and rewards! - [Zelle](https://www.membersonenj.org/zelle/) - Send and receive money with Zelle® We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust.2 Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving - [The CU Difference](https://www.membersonenj.org/about-us/the-cu-difference/) - Discover the credit union difference. Learn how we prioritize our members with personalized service, lower fees, and a focus on community impact. - [CU News & Articles](https://www.membersonenj.org/cu-news-events/) - Click here for the latest news and events for Members 1st of New Jersey Federal Credit Union. - [Loan Rates](https://www.membersonenj.org/loans/loan-rates/) - Click here to get Members 1st Federal Credit Union's loan rates for green loans, home equity loans, personal loans, and more. - [Sign Up For Email News](https://www.membersonenj.org/sign-up-for-email-news/) - Stay informed with our email news! Sign up to receive exclusive promotions, offers, financial tips, tools, and community news and events. Subscribe today! - [Payment Protection Options](https://www.membersonenj.org/payment-protection-options/) - Safeguard your finances with comprehensive loan protection options. Ensure peace of mind and protect your investments. Contact us today to learn more! - [Bill Consolidation Loans](https://www.membersonenj.org/loans/bill-consolidation-loans/) - Take control of your finances with bill consolidation loans from Members 1st Credit Union in New Jersey. Get the help you need to simplify your payments. - [Youth Savings](https://www.membersonenj.org/deposit-accounts/youth-savings/) - It's never too early to start saving! Click here to learn about Members 1st Youth Savings Account and stop by today to open an account. - [Business Accounts](https://www.membersonenj.org/business-accounts/) - Optimize your business banking with Members 1st of NJ. Enjoy no monthly fees, higher dividends, and convenient payment options. Learn more now! - [Merchant Services](https://www.membersonenj.org/merchant-services/) - Whether you own a store, restaurant, or kiosk, our Merchant Solutions* enable you to accept credit card payments at a competitive price. See how we can help. - [What You Need to Know about Overdrafts](https://www.membersonenj.org/what-you-need-to-know-about-overdrafts/) - An overdraft occurs when you do not have enough money in your account to cover a transaction, but we can cover your overdrafts in 3 different ways. Learn more. - [Financial Calculators](https://www.membersonenj.org/services-resources/financial-calculators/) - Members 1st Federal Credit Union in South Jersey recommends some of these financial calculators to make your financial life easier. Click here to learn more. - [Dev Template](https://www.membersonenj.org/dev-template/) - I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. This is a call to action for a promotion Cras tempus leo et eleifend condimentum donec facilisis erat nec ligula auctor et posuere mi aliquet. Praesent - [About Us](https://www.membersonenj.org/about-us/) - Learn more about our products and services at Members 1st of New Jersey FCU with locations in Hopewell and Vineland, NJ. Better banking with you in mind. - [Site Map](https://www.membersonenj.org/site-map/) - Click here to see Members 1st Federal Credit Union's site map. - [Privacy Policy](https://www.membersonenj.org/privacy-policy/) - Click here to read Members 1st Federal Credit Union in South Jersey's Privacy Policy. - [Accessibility](https://www.membersonenj.org/accessibility/) - Members 1st of NJ is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. - [TruStage Insurance](https://www.membersonenj.org/services-resources/trustage-insurance/) - TruStage insurance products and programs help Members 1st Federal Credit Union customers protect what matters most. Learn about this insurance option here. - [Touch Tone Teller](https://www.membersonenj.org/services-resources/touch-tone-teller/) - Members 1st of NJ FCU is proud to offer a touch tone teller to its Cumberland County members to conduct account inquiries and financial transactions. - [Mobile Deposit Request Form](https://www.membersonenj.org/services-resources/members-1st-mobile-banking/mobile-deposit-request-form/) - When you join Members 1st you are then eligible to enroll in Memebers 1st Mobile Deposit. Eligibility for Mobile Deposit is subject to Credit Union approval. - [Online Bill Payer](https://www.membersonenj.org/services-resources/bill-payer/) - Members 1st Credit Union is proud to offer electronic bill pay to its members. Click here to learn about this secure, easy way to pay your bills and to sign up. - [The Benefits of eStatements](https://www.membersonenj.org/services-resources/estatements/) - Members 1st of South Jersey explains why eStatements are faster and safer than regular banking statements. Click here to learn how to switch to eStatements. - [Deposit Rates](https://www.membersonenj.org/deposit-accounts/deposit-rates/) - Members 1st Federal Credit Union offers attractive deposit and savings account rates for residents of New Jersey. Find out how you can start growing your money with us. - [IRA Accounts](https://www.membersonenj.org/deposit-accounts/ira-accounts/) - Members 1st Federal Credit Union of South Jersey can help you set up an Individual Retirement Account based on your needs. Click here for more details. - [Youth Accounts](https://www.membersonenj.org/youth-accounts/) - Click here to learn about the youth savings accounts offered by Members 1st FCU. It's never too early to learn about financial management! - [Youth Checking Accounts](https://www.membersonenj.org/deposit-accounts/youth-checking/) - Open up a Youth Checking account today at Members 1st Federal Credit Union! We offer low or no fees and convenient access services to easily manage your money. - [Share Savings Account](https://www.membersonenj.org/deposit-accounts/share-savings/) - Opening up a Share Savings Account is your key to membership at Members 1st of NJ FCU! Visit our NJ credit union in Vineland, Bridgeton, or Woodstown. - [Loans for Energy Efficient Upgrades](https://www.membersonenj.org/loans/green-loans/) - Take advantage of our loans for energy-efficient upgrades to purchase a fuel-efficient vehicle or any eligible energy-saving product. - [Business Checking Accounts](https://www.membersonenj.org/business-checking-accounts/) - Banking made simple and convenient. Get savings and convenience with no minimum balance, no monthly fees and no per check fees. - [Business Savings Accounts](https://www.membersonenj.org/business-savings-accounts/) - Count on us for your Business Banking. At Members 1st of NJ FCU, we offer deposit and checking accounts to help you save and earn more. - [Visa Debit Card](https://www.membersonenj.org/deposit-accounts/share-draft-checking/visa-debit-card/) - Enjoy the convenience of paying directly from your checking account with our Members 1st of NJ FCU's VISA® Debit Card. - [Deposit Accounts](https://www.membersonenj.org/deposit-accounts/) - Managing your money and savings is very important. Members 1st can help you choose from a variety of deposit accounts that will help you save and earn more. - [Save With Our Visa Credit Card](https://www.membersonenj.org/loans/visa-credit-cards/credit-card-savings/) - A Members 1st VISA has everything you've ever wanted in a credit card. Click here to learn about our exclusive offers and to apply online today. - [Mortgage Rates](https://www.membersonenj.org/loans/credit-union-mortgage-rates/) - Visit Members 1st Federal Credit Union's Mortgage Center to learn about our NJ credit union mortgage rates and flexible terms to help you afford your dream home. - [Online Loan Application](https://www.membersonenj.org/loans/online-loan-application/) - Applying for personal loans, car loans, and more online with Members 1st Federal Credit Union is easy and fast. Click here for the online loan application. - [Frequently Asked Questions](https://www.membersonenj.org/about-us/frequently-asked-questions/) - Curious about federal credit unions? Here are the answers to your most frequently asked questions about Members 1st Federal Credit Union. - [Credit Unions for a Cure](https://www.membersonenj.org/credit-unions-for-a-cure/) - Members 1st of NJ FCU plus others have banded together to help save lives in the American Cancer Society Making Strides Against Breast Cancer Walk. Read more. - [Thank you for your interest!](https://www.membersonenj.org/kasasa/) - Thank you for your interest! We're excited to assist you with opening a Free Kasasa Cash Back® account. Your financial aspirations are important to us, and our dedication is to ensure you receive the utmost in banking satisfaction. What’s next? You will soon receive a DocuSign document requesting your signature. To proceed, please have your - [](https://www.membersonenj.org/thank-you-for-banking-with-us/) - Thank you for your interest! We’re thrilled to service your checking account needs. Your financial goals matter to us, and we’re committed to providing you with the best banking experience possible. What’s next? Stay alert for an email via DocuSign. Please have your full driver’s license ready, to access the secure email. We will use - [Celebrating the Stories Behind the Lessons!](https://www.membersonenj.org/teacherappreciation/) - Welcome to Our Teacher Stories Project! Do you have a teacher who made a lasting impact on your life? A mentor who went above and beyond to inspire you? We want to hear your stories! At Members 1st, we believe in the power of storytelling to celebrate and honor the educators who shape our lives. - [Post Grid New](https://www.membersonenj.org/post-grid-new/) - [members_one_nj_post_grid_new] - [Kasasa Cash® Checking](https://www.membersonenj.org/kasasacash/) - Members 1st of NJ's FREE Kasasa Cash® Checking pays you for banking with us. APY percentages vary based on the balance in your account. - [Events](https://www.membersonenj.org/cu-news-events/community-events/) - Discover what's happening at Members 1st of NJ Federal Credit Union! See what we have to offer and what what we are participating in. - [Season of Giving and Receiving](https://www.membersonenj.org/seasonofgivingandreceiving/) - 2022 Season of Giving and Receiving Sweepstakes Every qualifying transaction is a chance to win $5,000. When you participate in our Season of Giving and Receiving Sweepstakes, we’re donating $1 to charity and giving you a chance to win $5,000 with each qualifying digital banking transaction! Ready, Set, Win Handle all your banking needs from - [Summer Adventure Deals](https://www.membersonenj.org/summer-adventure-deals/) - Summer Adventure Deals Buy a car, refinance the one you love, take a dream vacation, and more! Along with our flexible financing options, you’ll earn a cash reward. Auto Loans as low as 1.75% APR* Vacation Loans as low as 7.50% APR* Visa Credit Cards – fixed rate as low as 9.50% APR* Reward Yourself. - [Thank You for Contacting Us](https://www.membersonenj.org/thank-you-for-contacting-us/) - Thank you for contacting Members 1st Federal Credit Union A Members 1st representative will be in contact soon. While you wait, continue learning more about Members 1st of New Jersey here. - [Terms of Service](https://www.membersonenj.org/terms-of-service/) - Click here to read Members 1st Federal Credit Union in South Jersey's Terms of Service. - [Leave Us a Review](https://www.membersonenj.org/leave-us-a-review/) - Members 1st of NJ Federal Credit Union is always trying to improve your experience. No matter what branch you go to, we want to make your visit better than the last. Below, you’ll find a link to each of our branches to leave a Google Review. All we ask is that you be open and - [Prepaid Cards](https://www.membersonenj.org/loans/cu-money-prepaid-cards/) - Click here to learn about Members 1st Credit Union's money prepaid cards that can be used to make purchases and pay bills. - [CUMONEY® Visa TravelMoney® Card](https://www.membersonenj.org/cumoney-visa-travelmoney-card/) - Wherever your plans take you, from across the street to across the globe, the Visa TravelMoney® Prepaid debit card provides all the convenience and security you need. Safer that cash Accepted everywhere you see the Visa logo Multiple card designs to express your personality Convenient CUMONEY® mobile app to access & manage your card from - [Holiday Loan App Submitted](https://www.membersonenj.org/holiday-loan-application-submitted/) - Thank you for submitting your application for a Members 1st Holiday Loan! A member of our loan services team will contact you shortly to further discuss your application. - [Text Notifications](https://www.membersonenj.org/services-resources/text-notifications/) - * Mobile Number: * First Name: * Last Name: Standard Message and Data Rates Apply. Customer Support: info@marketingamericanbusinesses.com At anytime you can text to 71441 the word 'HELP' to get more information or 'STOP' to cancel your account. Message frequency depends on account settings Terms of Service | Privacy Policy - [Home](https://www.membersonenj.org/home/) - Members 1st of NJ FCU is a federally chartered credit union serving Cumberland County, Visit our Vineland, Woodstown, or Bridgeton offices today. - [Deposit Request Received](https://www.membersonenj.org/deposit-request-received/) - Thank you for submitting your Mobile Deposit request form. A Members 1st Federal Credit Union member will contact you shortly about your request. While you wait, learn more about Mobile Banking with Members 1st by clicking here. - [Thank You](https://www.membersonenj.org/application-submitted/) - You membership application for Members 1st Federal Credit Union has been submitted. A Members 1st representative will contact you shortly to continue the application process. In the meantime, learn more about the benefits and services of Members 1st FCU: Frequently Asked Questions Virtual Branch Online Banking More Services ## Events - [New Jersey Credit Union Food Drive](https://www.membersonenj.org/events/annual-kid-friendly-food-drive/) - Join Members 1st of NJ FCU in supporting local families through our Annual Kid-Friendly Food Drive. This year, we're proud to partner with 17 other credit unions across the state as part of the New Jersey Credit Union Food Drive to make an even greater impact in our communities. During the summer months, many children - [Member Appreciation Day – Ice Cream's On Us!](https://www.membersonenj.org/events/member-appreciation-day-ice-creams-on-us/) - We're celebrating Member Appreciation Day with free treats and giveaways! Members visiting our Vineland and Millville branches can enjoy complimentary ice cream from Mister Softee. Hopewell members can stop by the branch lobby to pick up a ticket redeemable for a free cone at Hopewell Custard. Vineland Branch: 11:00 AM – 1:00 PM Millville Branch: - [Annual Meeting](https://www.membersonenj.org/events/annual-meeting/) - Join Us for Our Annual Meeting!We invite all members to join us at our Annual Meeting at the Vineland Branch! This is a great opportunity to learn more about our credit union, meet our leadership team, and discover ways to get involved. We look forward to seeing you there! Location: 37 W Landis Avenue Vineland, - [Celebrate Youth Month!](https://www.membersonenj.org/events/celebrate-youth-month/) - Celebrate Credit Union Youth Month with us! Open a new Youth Savings Account and we’ll add $25 to kickstart their savings. It’s a fun way to start building smart money habits early! Stop by any branch or sign up online today! - [Annual Shred Event](https://www.membersonenj.org/events/annual-shred-event-2/) - Bring your documents for safe shredding! Join us at our Vineland office (37 W Landis Avenue, Vineland, NJ 08360) for our Community Shred Day. Enjoy refreshments while our shred truck securely disposes of your sensitive papers! - [28th Annual Holiday Toy Drive – The Dream Foundation](https://www.membersonenj.org/events/28th-annual-holiday-toy-drive-the-dream-foundation/) - Join The Dream Foundation for the 28th Annual Holiday Toy Drive, benefiting children at Inspira Hospital of South Jersey, St. Christopher’s Hospital, CHOP, Shriners Hospital, and other charitable organizations. We’re collecting new, unwrapped toys for kids of all ages to help make their holidays brighter. Monetary donations are also welcome and help us purchase toys - [🎅 Pictures with Santa](https://www.membersonenj.org/events/🎅-pictures-with-santa/) - Ho, ho, ho! Santa Claus is coming to Members 1st of NJ FCU! 🎄 Bring your family and little ones to our Vineland branch for free pictures with Santa and capture a little holiday magic to cherish all season long. Our elves are still busy in Santa’s Workshop finalizing the full schedule—so stay tuned for - [Member Appreciation Day](https://www.membersonenj.org/events/member-appreciation-day/) - Join us at our Vineland office on Thursday, June 27 from 11:00 AM to 1:30 PM as we celebrate YOU—our amazing members! Here’s what to expect: 🍕 Free Pizza & Drink – Grab a ticket at our welcome table to redeem a delicious slice of pizza and a drink from PDQ Pizza, served hot and - [Kid-Friendly Food Drive](https://www.membersonenj.org/events/kid-friendly-food-drive/) - June 1 – July 31, 2025All Branch Locations Summer should be about fun—not worrying about food. Join Members 1st of NJ FCU as we collect kid-friendly, non-perishable food items to support local families during the summer break. Help us fill the shelves with items like: Cereal Granola bars Mac & cheese Applesauce cups Juice boxes - [2025 Annual Meeting](https://www.membersonenj.org/events/2025-annual-meeting/) - Join our Annual Meeting on May 29, 2025! Learn about our achievements, future plans, and opportunities to become a board member. All members welcome! - [Transición del Crédito Personal al Crédito Comercial](https://www.membersonenj.org/events/transicion-del-credito-personal-al-credito-comercial/) - En este seminario web gratuito, aprenderás: La diferencia entre los informes de crédito personales y comerciales, y cómo uno puede afectar al otro Por qué tu solvencia crediticia puede ahorrarte (o costarte) dinero Cómo solicitar —y obtener— crédito comercial que pueda ayudarte a crecer - [Annual Shred Event](https://www.membersonenj.org/events/annual-shred-event/) - Do you have old documents, statements, or sensitive paperwork cluttering your home or office? Don't worry! We've got you covered. Our annual Shred Event is the perfect opportunity to safely dispose of your confidential materials and protect your personal information. Why should you attend? Protect your identity: Safely dispose of any documents containing personal or - [Small Businesses, Big Success](https://www.membersonenj.org/events/maywebinar/) - In this free webinar, you'll learn: Why so many small businesses fail How to create a robust budget in six easy steps Proven ways to overcome cash-flow problems - [Smart Savings Strategies For Your Dream Vacation](https://www.membersonenj.org/events/aprilwebinar/) - In this free webinar, you’ll learn: How to create a "vacation budget" that doesn't sacrifice fun for savings When to travel the cheapest, whether by air, sea or land How credit cards can help you save for a vacation - and while you're on it - [How to Earn Your Financial Freedom](https://www.membersonenj.org/events/marchwebinar/) - In this free webinar, you'll learn: Where to find a credit card even when you have no credit How to improve your credit score in a few minutes and at no cost Where to get professional help paying down your debts - [Tax Season Roadmap: Tips for Success](https://www.membersonenj.org/events/februarywebinar/) - In this free webinar, you’ll learn… Money-saving and time-saving tactics for full-timers and independent contractors How to get out of trouble (and stay out of trouble) with the IRS Where to find an accredited tax expert who can help you - [Savings Strategies in Today's Economy](https://www.membersonenj.org/events/januaryenglishwebinar/) - In an ever-changing economic landscape, finding effective ways to save and manage money is more crucial than ever. In this webinar, you'll learn: How to pay off your debts so you can save more for yourself Proven tactics to impress creditors and ditch debt collectors When to negotiate a better deal, and when to hang - [Transitioning from Personal to Business Credit](https://www.membersonenj.org/events/junewebinar/) - In this free webinar, you'll learn: The difference between personal and business credit reports - and how one affects the other Why your creditworthiness can save (or cost) money How to apply for -and get- business credit that can help you grow. - [Making Strides](https://www.membersonenj.org/events/cuforacure/) - Area credit unions have banded together to help save lives by forming team "Credit Unions for a Cure" for the upcoming breast cancer walk, in Ocean City, NJ. - [Budget Seminar](https://www.membersonenj.org/events/budget-seminar/) - Ready to take control of your finances? Dive into our budget seminar at Members 1st and discover how to make your money work smarter, not harder. Learn key budgeting techniques, uncover hidden savings opportunities, and pave the way to a brighter financial future. Reserve your seat now and embark on the journey to financial empowerment! - [The Dream Foundation Toy Drive](https://www.membersonenj.org/events/the-dream-foundation-toy-drive/) - Join us in spreading joy this holiday season with our toy drive for kids in local hospitals! At Members 1st, we believe that every child deserves a little extra cheer, especially during difficult times. That's why we we're excited to announce our annual toy drive, where we aim to bring smiles to the faces of - [Annual Meeting](https://www.membersonenj.org/events/annual-meeting-2/) - Join us for our 86th Annual Meeting! We invite you to enjoy learning about the credit unions 2023 accomplishments, see what's new, and some light refreshments. - [Santa's special appearance!](https://www.membersonenj.org/events/santas-special-appearance/) - Attention, boys and girls of all ages! We have the most delightful news to share. Santa Claus himself will be gracing us with his presence at our Vineland branch, and you're invited to join the merry festivities! But here's the extra special part: Santa has set aside a specific time just for you. From 9 - [Webinar: El Matrimonio y el Dinero en 2023](https://www.membersonenj.org/events/spanish-kofe-webinar-september-2/) - Aprendera: Cómo hablar de dinero, Razones por las que el dinero es una gran fuente de conflicto, y cómo evitarlas, Por qué un presupuesto es alegría - [Webinar: Marriage and Money for 2023](https://www.membersonenj.org/events/english-kofe-webinar-september/) - In this webinar, you’ll learn: How to talk about money with your spouse, Reasons money is a source of marital strife, & how to avoid them, Why a budget is bliss - [Webinar: Comprar o refinanciar una vivienda](https://www.membersonenj.org/events/spanish-kofe-webinar-august-2/) - Aprendera: Los beneficios de comprar y el momento para refinanciar, Indice de deuda a ingresos, Fundamentos del presupuesto y por qué el crédito es clave - [Webinar: Compras de regreso a clases](https://www.membersonenj.org/events/spanish-kofe-webinar-july-2/) - En este WEBINAR GRATUITO aprenderá: Compras de regreso a clases Una lección en ahorros No se endeude comprando ropa, suministros y artículos tecnológicos - [Webinar: Back to School Shopping A Class in Saving Cash](https://www.membersonenj.org/events/english-kofe-webinar-july/) - Learn: Which days are best for buying school supplies, Use easy and secure technology to buy online for less, Save money by letting your children help you - [Webinar: La tecnologia financiera puede alargar su bolsillo](https://www.membersonenj.org/events/spanish-kofe-webinar-june-2/) - La tecnología financiera puede alargar su bolsillo Puede ahorrar más haciendo menos y dejando que su teléfono haga todo el trabajo. - [Webinar: Financial Technology Can Stretch Your Dollar](https://www.membersonenj.org/events/english-kofe-webinar-june/) - Learn: How to create a budget without having to do the math yourself Little-known ways your employer can help you save How to avoid scams and find the best apps - [Webinar: Buy or Refi?](https://www.membersonenj.org/events/english-kofe-webinar-august/) - You’ll learn: The benefits of buying & the best time to refinance, The importance of: debt-to-income ratio, Budgeting basics and why credit is key - [Food Truck Festival](https://www.membersonenj.org/events/food-truck-festival/) - We are the major event sponsor for this exciting event! For more details, visit: https://events.theave.biz/main-page/food-truck-festival-on-the-ave/ - [Miracle Jeans Day](https://www.membersonenj.org/events/miracle-jeans-day-2/) - Credit Unions for Kids raises funds for local children’s hospital. On Miracle Jeans Day, make a donation to fight childhood illness. - [CU Youth Month Event](https://www.membersonenj.org/events/cu-youth-month/) - Celebrating #CUYouthMonth with members & their kids, where they'll receive a goodie bag & make their own savings jar for whatever their hearts are set on. - [Shred Event: Join us, rain or shine!](https://www.membersonenj.org/events/shred-event-2/) - Join us for our Shred Event just in time for Earth Day! Bring up to 5 boxes of paper safely shred. Saturday, April 01, 2023 9:30 am – 11:30 am Vineland Office - [Webinar: Conquering the Housing Crisis](https://www.membersonenj.org/events/english-kofe-webinar/) - Join us for a free webinar regarding the housing crisis: • Decide when buying is better than renting • "Debt-to-income" Ratio • Free, professional help - [Webinar: Superando la crisis de vivienda](https://www.membersonenj.org/events/spanish-kofe-webinar/) - Join us for a free webinar regarding the housing crisis: • Decide when buying is better than renting • "Debt-to-income" Ratio • Free, professional help - [Reality Fair: Millville High School](https://www.membersonenj.org/events/realityfairmillvillehs/) - We are hosting a reality fair to help students understand budgeting! Please consider volunteering to help make this a success. - [Reality Fair: Cumberland Regional High School](https://www.membersonenj.org/events/realityfaircumberlandregionalhs/) - We are hosting a reality fair to help students understand budgeting! Please consider volunteering to help make this a success. - [Reality Fair: Bridgeton High School](https://www.membersonenj.org/events/realityfairbridgetonhs/) - We are hosting a reality fair to help students understand budgeting! Please consider volunteering to help make this a success. - [Reality Fair: Woodstown High School](https://www.membersonenj.org/events/realityfairwoodstownhs/) - We are hosting a reality fair to help students understand budgeting! Please consider volunteering to help make this a success. - [International Credit Union Day](https://www.membersonenj.org/events/international-credit-union-day-2/) - Join us for the celebration! On this day we will join over 56,000 credit unions around the world to celebrate International Credit Union (ICU) Day. The theme of ICU Day 2022 is “Empower Your Financial Future with a Credit Union.” ICU Day highlights the many ways that credit unions across the world help members improve ## Categories - [News Articles](https://www.membersonenj.org/category/news/) - [Auto loan pre-approval](https://www.membersonenj.org/category/auto-loan-pre-approval/) - [Auto Loans](https://www.membersonenj.org/category/auto-loans/) - [Checking](https://www.membersonenj.org/category/checking/) - [Consolidate Debt](https://www.membersonenj.org/category/consolidate-debt/) - [Buying a Car](https://www.membersonenj.org/category/buying-a-car/) - [Home Buying](https://www.membersonenj.org/category/home-buying/) - [Home Equity](https://www.membersonenj.org/category/home-equity/) - [Home Equity Line of Credit](https://www.membersonenj.org/category/home-equity-line-of-credit/) - [Money Management](https://www.membersonenj.org/category/money-management/) - [Refinancing](https://www.membersonenj.org/category/refinancing/) - [VISA](https://www.membersonenj.org/category/visa/) - 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