As a safe, sound and successful credit union, we have the opportunity to strategically select a partner who not only will help us serve our members, but who shares our history and values. After careful consideration, our Board of Directors determined that merging with Rogue provides an opportunity to expand our services, provide exceptional value to our members, and honor our longstanding legacy of community support.

Partnering with Rogue Credit Union will help us expand the products and services available to our members. This includes Rogue Credit Union’s highly regarded loyalty program, Rogue Rewards, an expanded commercial lending department, investment services and much more.

Now is the time to make your voice heard! Vote on our merger today—Let’s be stronger together.

Member accounts will not change initially. Sometime in 2026, member accounts will be transferred to the Rogue CU system. When complete, you will have the added benefit of access to new products such as interest checking, modern online and mobile banking, the ability to earn loyalty rewards and more. Members will receive detailed communications and will have help from our staff to walk you through the transition.

It is a bit early to know the details of what may change. Rest assured, Members 1st will work hard to make the transition as easy as possible and you will receive multiple communications and personal assistance if it is needed.

All existing loan, share, and deposit products will be migrated into the Rogue CU system. You will not have to do anything to transfer these services.

Yes, your loan terms, including payment amounts and due dates, do not change. It will be important to continue to pay your loans on schedule or it will negatively impact your credit history and your ability to obtain loans in the future.

No, you will not need to refinance loans. Accounts will automatically be transferred to the new system with your same loan terms and payment obligations.

Direct Deposit information should not change. If there are any changes that are required to be made, Members 1st will work with you prior to the system update in 2026.

As a true expansion of services, Members 1st and Rogue are committed to maintaining all service locations and employment for all staff. You will still see the same friendly faces when you visit a Members 1st location. While there is still much to be finalized about our partnership, both credit unions look forward to providing new opportunities to serve our members.

Yes. We know our local staff are essential to our relationship with you! Members 1st does not anticipate any changes in staff so you should see the same faces and receive the same level of service that you expect when you visit any of the branch locations.

Rogue Credit Union is a member-owned, not-for-profit financial cooperative just like Members 1st. Rogue currently serves over 212,000 members throughout southern Oregon and western Idaho. Like us, Rogue prioritizes exceptional member service and involvement in the local community.

Rogue Credit Union is headquartered in Medford, Oregon, about 30 miles north of the Oregon-California border.

Rogue has 24 full-service branches across southern Oregon and western Idaho. They currently serve the Rogue Valley, South Coast, Umpqua Valley, Klamath Basin and Treasure Valley.

Rogue Credit Union got its start as a teachers’ credit union in 1956. It was founded in an elementary school cafeteria by ten teachers who knew then what we know now: We’re stronger together.

Yes! Rogue is a healthy credit union with $3.7 billion in assets as of June 2025. They are federally insured through the NCUA and have a net worth ratio of 9.92%.

We recommend visiting roguecu.org to learn more.

In most cases, your account number, or account number and suffix, will be used for your corresponding account(s). All accounts will have a unique account number.

You will be able to find your account numbers:

• In Online and Mobile Banking
• Click on the account and select “Account Details”

Yes. However, new automatic transactions should be set up using your Rogue account number and routing number, 323274775.

All existing direct deposits and automatic payments will continue uninterrupted.

Yes! Most fees will be reduced, and some will be eliminated. Pricing changes for safety deposit boxes will vary. For fee information, visit roguecu.org/agmt or call us for details. Auto payments for current safety deposit boxes will continue uninterrupted.

One-time and recurring incoming and outgoing wires will still be available. The incoming wire fee will be eliminated after system transition.

While the numbers and web pages you're used to will continue to work, they will redirect to roguecu.org or the Rogue Member Contact Center. Save our numbers as: 800.856.7328 to speak to a Representative or 541.734.0607 for 24/7 Phone Banking.

Members can continue to order and exchange foreign cash and checks after system transition. For fee information, visit roguecu.org/agmt.

While the names, rates, and fees may change slightly, we are working hard to align products to minimize impact. See your account mapping letter for more information.

Every Rogue membership begins with a high-yield Ownership Account, created for all members who are Tax Reported Owners (TRO) of a Regular Savings Account. This account is our way to give back to YOU, our member-owners, and reward you for your participation in the credit union! You can learn more here https://www.roguecu.org/personal-services/rogue-rewards/ownership-account.

Funds deposited in your Ownership Account upon opening are a Welcome Dividend from Rogue, thanks to your relationship with the credit union. Existing joint owners and Payable on Death (POD) owners with access to your Base Share Savings will have access to Ownership Accounts. Access can be managed at any time by the TRO.

Yes. Cycle dates for credit cards will start the 24th day of each month and end the 23rd day of the following month. Mortgage and home equities are presented as separate statements from your membership statement.

Yes. Signers, beneficiaries and special roles will remain on accounts as they are today.

Yes, your funds will remain federally insured to at least $250,000 by the National Credit Union Administration.

Your $1 share deposit will be released into your savings account after the system transition.

Yes. All personalized account names will transfer in the system transition.

No, investment and financial planning services will continue to be offered to members after system transition.

Your Members 1st accounts will remain separate and move under your existing Rogue Member Number, where all your accounts will be visible on statements and within online and mobile banking.

Yes. A change in terms notice was sent to all members currently enrolled in Courtesy Pay Standard and Extended detailing the Overdraft Program changes. For more information visit roguecu.org/overdraft-program. Overdraft coverage and protection can be managed from Rogue’s online and mobile banking.

Any checks written will be processed as normal.

No, you can continue to use Members 1st checks until you’re ready to re-order.

Yes, Members 1st debit cards will continue to work through and after the system transition weekend. Do not discard your debit card.

No, your current PIN number will continue to work after the system transition.

You will be redirected to roguecu.org/systemtransition on June 29 where you’ll find instructions on logging into Rogue’s online and mobile banking.

Scheduled transfers and payments will process as normal.

Card Controls will be disabled during system transition weekend. Account notifications and Card Controls will need to be reestablished in Rogue’s online or mobile banking after system transition.

Six months of checking account history and twelve months of all other account, loan and credit card history will transfer.

No, your statement delivery preference will transfer over during the system transition.

All auto, boat, RV, personal, mortgage and business loans will transition to Rogue with all the same terms intact. You’ll be able to view your loan accounts in online and mobile banking after the system transition is complete.

You can either make your payment or take advantage of a payment holiday and your July 20 payment with your next payment due August 20. Skipped payments will still accrue interest.

Credit card payments are due the 20th of each month. All other due dates for loans, mortgages, and business loans will remain the same.

Yes, Mechanical Breakdown Insurance is no longer offered as of December 31, 2025. Please contact us if you need to file a claim on an existing policy.

No. If you have a GAP contract with SWBC on an active loan, it will remain in place. If the loan is refinanced in the future, the contract will end and you will be eligible for new GAP offerings with the new loan terms.

Yes, current consumer and credit card policy holders have been sent a change in terms notice with full details.

Yes, partial payments will be accepted and can be set as an automatic transfer on loans other than mortgages.

Beginning on June 29, you can make loan payments:

• In online or mobile banking
• Over the phone at 800.856.7328
• By mail at: PO Box 4550, Medford, OR 97501
• At your local branch

Automatic payments will continue to process as normal.

No, your Purchase, Return, and Travel Protection will continue to be available with your credit card.

Yes, in-branch payments will no longer be supported after the system transition. Payment and support options for your mortgage loan include:

• Calling 866.636.1052
• Online at www.memberfirstmortgage.com
• Email servicing@memberfirstmortgage.com
• By Mail at: MemberFirst Mortgage, LLC • Department #77150 • Detroit, MI 48277-1502

Terms and interest rates will remain the same.

In most cases your monthly fee will be reduced, however, on high activity accounts a monthly fee may apply. Please refer to the Business Accounts Rates & Terms at roguecu.org/agmt.

No. Total Merchant Services will continue to be a partner provider to service business accounts.