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Credit Worthiness

An assessment of the likelihood that a borrower can fulfill his or her loan (debt) obligations. It is based upon factors, such as his/her history of...

Debit Card

A debit card issued by Members 1st Credit Union allows you to transfer money electronically when making a purchase in person, online, or by phone. Debit cards..

Debt Consolidation

Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. Common loans people want to consolidate are high...

EMV (Euro MasterCard Visa)

EMV is a global standard for credit and debit payment cards based on chip card technology, taking its name from the card schemes Europay, MasterCard, and...

Fixed Interest Rate

A fixed interest rate loan is a loan where the interest rate doesn't fluctuate during the fixed-rate period of the loan. This allows the borrower to...

Floor Rate

An interest rate floor is the minimum interest rate possible for an interest rate associated with a loan.

Foreign Currency Exchange

Details on how to exchange international currency before and after traveling with Members 1st.

Foreign Transaction Fee

Foreign transaction fees are normally assessed by your debit or credit card issuer and are usually charged 3% percent of the purchase that you're making...

Gifting Points

How to gift points with your Memberperks Rewards Credit Card.

Grace Periods

A description of the different grace periods and lengths associated with Members 1st loans.

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