Members First Supports Local Future Farmers of America Programs

Members first has partnered with the Pensacola Interstate Fair Livestock program that helps local future farmers raise livestock, steers that are shown at the Livestock Youth Steer Show and auctioned off at the fair. Members First takes pride in helping the community, especially the youth. We have been lending a supporting hand in our local community for over 60 years. It was an honor and privilege to be able to help local future farmers in this capacity. We look forward to many more opportunities to add value to the community that we live in and serve.


Photo taken at the Pensacola Interstate Fair.


Photo of steers taken at the Pensacola Interstate Fair

Photo of steers taken at the Pensacola Interstate Fair


Made possible by Members First Credit Union.

Caryl A. Greene, President/CEO of Members First Credit Union with Youth Steer Show Competitor’s parent – Made possible by Members First Credit Union.


His entry was made possible by Members First Credit Union.

Caryl A. Greene, President/CEO of Members First Credit Union with Youth Steer Show Competitor.

For more information about the Pensacola Interstate Fair Livestock Exhibit, visit



Named One of the Healthiest Credit Unions in America

Recently, Members First Credit Union was designated one of the “Top 200 Healthiest Credit Unions in America” by the financial institution research website This looks at financial institutions’ health today vs. before the financial crisis of 2008 and the financial institution’s current risk of failure. The report mentions, “The global financial crisis of 2008 has prompted many to take a second look at the health of their financial institutions. Many banks and credit unions were not as financially healthy as many believed.”

As you view the list of banks and credit unions, you will notice Members First is the only financial institution from Pensacola to make the list. Members First takes great pride in offering our members a very secure, very healthy financial experience.


It’s Tax Free Weekend!

Back to School Shopping Tips

Shop with the help of the Lifestyle Loan

Where has the summer gone? It’s the beginning of a new school year, and now you are getting ready for your first day. Take advantage with this weekend’s Tax Free Holiday and enjoy the perks of not paying taxes. But, before you go break the bank, here are a few tips to help you save money and be a smart shopper.
Have a plan. All stores are competing for your attention and your money. If you don’t have a plan, list, or budget, you are going to find yourself overwhelmed and over spent. When you are prepared and shopping with a purpose, you are less likely to buy items you may not need or spend more than you really can afford. Check with your child’s school to make sure you have their supply list. Most teachers have a supply list at local stores; or, you can pick up a copy at the school. Don’t waste the opportunity to buy while you can without paying taxes on it now.

Do some research. Know what items are and are not included in the Tax-Free Holiday Weekend. You can find a list at the Florida Department of Revenue’s website Hopefully, you can match the items on your shopping list to the items in their inclusion list of tax free items.

Shop smart. Many retailers post or announce their sales on their websites or Facebook. By looking at these sites ahead of time and knowing items availability, you can cut down on the number of places you actually need to go to. This saves you on gas and time. Once you are at the store, use your smart phone to comparison shop with apps like RedLaser or use your browser to compare store prices with online prices.

The Lifestyle Loan. Sometimes we need a little help getting all those back to school supplies. Don’t worry that’s what Members First’s Lifestyle Loan is here to do. So stop by any branch, or call us at 434-2211, to get more information on how we can help you get your shopping done TODAY!

Be Part of The New Credit Union Movement

See what 100 Million Looks Like!

We want to show America what 100 million membership looks like. Since America’s first credit union opened its doors in Manchester, New Hampshire, in 1908, millions of people have made the smart choice to become members.

Today, many Americans are choosing our not-for-profit alternative over big banks. That means that 1 in every 3 Americans will be members of credit unions. We invite you to submit a selfie and add your presence to the growing credit union movement as we celebrate the power of 100 million membership. Post it with the #100MM, and let your community know you are part of something bigger that focuses on your best financial interest!

Why are millions so excited? Because this milestone is too exciting not to celebrate and they can’t wait to share the credit union difference!

Want to know what 100MM looks like? Check out selfies, ussies, and the latest news on the

Finding the Right Financial Partner

Members First Wants To Be Your Financial Partner

We are all looking for the right one… the right person, the right job, the right shoes; but, what about the right financial institution? Finding your financial partner can be easier than you think. Here are a few things to consider when you decide to start looking for the right banking institution for you.

Start by determining exactly what products and services you need. Do you need free checking? No-cost debit cards? High-interest CDs? Is Mobile Banking a must? By knowing exactly what you are looking for, you can help eliminate institutions that can’t offer you those services.

Once you are aware of your needs, think about your location. Do you need an institution that is close to home, close to work, on the way to “somewhere,” or all of the above? Would you rather stop by a branch, or use Internet Banking and an ATM? Pay attention the next time you take a drive or do an internet search of those areas. It may surprise you to “see” or not “see” ATMs or branches that you have not noticed before. Depending on your preferences, you can further include or eliminate institutions.

Lastly, think about what kind of relationship you want with your institution. Do you want someone you see every once in a while or only when you have a problem? Or, do you want a relationship with your financial institution? Is it important for them to know you when you walk in the door by name, or is it their lobby atmosphere? Do their ideals match yours? You can learn a lot about the institutions by checking their websites, Facebook pages, or even blogs. Do a little research, see what intuitions were ranked highest by BauerFinancial, Inc.; and, don’t forget your friends can sometimes give you the best recommendations.

Members First wants to be your Financial Partner. Stop by and see us at any branch to talk to our Member Service Representatives to see how well we can be the right fit for you!

5 Money Tips for the Holidays

Let Members First help you this Holiday Season.


November has just begun, but already the Holidays seem to be knocking on our door. Make November your best month for being budget-conscious by following the tips below to help you have a great Holiday Season.

Use cash, not credit. If you haven’t already created your holiday budget, it’s never too late to start. From traveling to shopping, expenses can add up quickly. A great way to ensure that you are not spending more than you can afford or going into debt is set aside what you have already allotted for the holiday season and put away your credit cards. By becoming more conscious of your spending, you’ll be less likely to impulse shop and more apt to scrutinize deals and purchases.

Get crafty. Most of you have a hidden talent and the holiday season is the perfect time to showcase it. If you are an excellent cook, give the gift of food. If you are an excellent photographer, use your pictures for decorating, creating holiday cards, or even as gifts. You will be surprised by how much more meaningful a handmade scarf will be to your loved ones as opposed to those you find in the store. Not sure what talent you possess, check out the internet. Websites like Pinterest and Etsy are filled with ideas you might not have ever thought about using for gifting and decorating.

Give the gift that keeps giving. When thinking about what to buy your loved ones, consider making a charitable contribution in their names. Most charities always have an extra need for funding during the holiday months. So, while you are giving the charity a gift of money, they will be providing others with the gift of service and items that are much needed. Another way you can get a gift for your loved ones is to find a charity like the Goodwill Easter Seals of the Gulf Coast that creates a yearly Christmas ornament that is sold only for the holiday season. When you buy one of these ornaments, all proceeds will be going to help over 8,000 children and adults with disabilities on the Gulf Coast.

Clip the coupons and shop the deals. The holidays are filled with deals, and all retailers want your holiday dollars. Use it to your advantage. Compare sales and check websites and Facebook pages to find what you are looking for at the best price. When you are at the store, use your smart phone to comparison shop with apps like RedLaser, or use your browser to compare store prices with online prices. Many stores will match and even beat prices you find on the internet. Keep in mind that some retailers also have special coupons or special promotions to reduce your purchase total. You can find many coupons and specials by signing up for store newsletters, checking retailer website, manufacturer websites, and sometimes, with a quick Google search.

Stop by Members First. Stop by your credit union. Computers, iPads, toys, appliances and whatever else may be on your Christmas list can be costly. As your financial partner, Members First has a way to help you get all the items you need or want this holiday season. With the Holiday Loan, you can rest easy knowing that you have a low-interest rate and low payment.

Credit Unions Unite for Good


196 Million People WorldWide Choose Credit Unions As Their Financial Partner

October 17, 2013, credit unions in 100 countries will celebrate International Credit Union (ICU) Day® by joining together and celebrating their cooperative spirit.

Unlike many banks, we at Members First Credit Union are not in business to make a profit. Credit unions all over the world are a united front focused on you, the members, with an unwavering belief in the “people helping people” philosophy upon which we were built.

In the U.S., we’re known as credit unions, but across the world, we go by many names…co-operative societies, cooperativas, and caisses populaires to name a few.

This year, the cooperative spirit is coming to the Falkland Islands. Currently, one bank branch operates there, but the 2,300 workers find access to credit limited. Through the World Council of Credit Unions, staff from a U.S. credit union are assisting in the development of a credit union that can help the businesses that were refused bank financing.

Sometimes, starting a credit union isn’t enough. In Kenya, more than a million children have lost parents to AIDS. Many U.S. credit unions are supporting an orphanage in the town of Busia. The program provides food and security to these orphans, as well as financial access to the surrounding community.

Off the southern coast of India, women rice farmers in Sri Lanka are recovering from devastating floods in 2011 and growing their businesses with the help of both farming and financial training through a joint agribusiness and credit union program. Profits are up and so are savings thanks to a new infrastructure to safeguard deposits. Now, small branches collect savings through children’s clubs and school programs. In one district, volunteer members hike daily to the local market to collect deposits.

Here too, in the U.S., credit unions are looking after their members.

One small credit union, made up only of descendants of Manley and Lucy Williams, is helping members buy new cars, raise families, and pay for college. Credit unions often think of their members as family, and in this case they literally are.

Whether on a small or large scale, doing good is something credit unions take seriously. Some large credit unions are able to pull together funding from millions of members to improve housing, healthcare, and education in local communities and the world. Be it in the form of scholarships or interest-free loans, it’s still people helping people.

Here at Members First Credit Union our key initiatives in 2013 includes raising money for Children’s Miracle Network, Lupus Foundation, The American Cancer Society, and other charitable organizations.

The credit union movement is a united force based on camaraderie, cooperation, and collaboration. That’s why, at a credit union, you are never a number – you are a member , and we are here to serve you.


Copyright 2013 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

Free Apps That Will Help You and Your Child with School

Most of us have busy lives and it gets even busier once school starts. Here are 8 Free Apps to help make going back to school a little easier on both parents and kids.

Cozi Family Organizer: Calendar and Lists – This free online organizer and mobile app was especially designed for busy families. It helps you keep track of everything from school schedules to sports activities, grocery lists, meals and chores — all in one place accessible by every member of the family and from any computer or mobile device. All you need to get started is a free account and because it is shared, you only need one account for the whole family.

Life360 – This family networking app provides family locator services such as location-tracking, check-in (e.g. the “mom, I’m okay” button), geo-fenced alerts, messaging (both one-to-one and group chat), and the emergency/panic button alerting functionality. It’s great for families that are always on the go and keeping up with everyone real time (on a map).

MyHomework – This app makes it simple to organize and keep track of class schedules and upcoming assignments, color-coding them automatically according to their due date. It also syncs with a desktop counterpart, keeping your iPhone and computer up to date on what’s due.

CourseSmart – Even if you get your textbooks free through the school system or get used textbooks at a deep discount, you’re still lugging them around on your backs all year. CourseSmart makes its money through the licensing of e-textbooks, which expire after a certain access period, typically about 180 days. If you want them for longer just upgrade it to your CourseStart which lets you buy them for roughly half the price of the print version.

Evernote – This is a great app to help you stay organized. Evernote lets you take notes, capture photos, create to-do lists, record voice reminders–and makes these notes completely searchable, whether you are at home, at work, or on the go. Everything’s searchable, which means you can look for text within images (including words on whiteboards), find notes or files from any of your synced devices and share them easily with friends via email, Facebook and Twitter. – This is a great app for not only looking up meanings of over 400,000 words but also great for finding synonyms and antonyms for said words, and famous quotations using said words.

SparkNotes – Get today’s most popular study guides for literature, Shakespeare, poetry, philosophy, drama and short stories. Share what you’re studying and where you are by checking in with a customized post to Facebook or start a study group right from your phone. Great for use online or download to your phone for later use.

gFlash+ Flashcards & Tests – One of the best ways to prepare for tests after tediously taking notes is to study with flashcards. The app gFlash+ Flashcards & Tests is a universal app that will make studying a breeze. Create, download, and make an endless amount of flashcards for any topic or subject that you need to brush up on. Integration with Google Docs allows you to make flashcards in Google Spreadsheet, which you can then download right into gFlash+. Zoom in or out on images, audio, and video clips for even more detailed examination. You can track your improvements, practice with multiple choice question support, download sets of sharable cards from the app’s gWhiz Catalog, and much more. Offline studying is also available if you don’t have Internet access.

Don’t Tax My Credit Union

Politicians in Washington are considering an overhaul of the federal tax code. As Congress considers this comprehensive tax reform, some banks and people in Congress think it’s a good idea to start taxing credit unions. Their big idea is to raise taxes and impose new fees on 96 million credit union members who represent 40% of all Americans, yet represent only 6% of the assets in financial institutions. And, they want to do this despite the fact that credit unions are not-for-profit and meet their core mission every day.

What Congress and these banks don’t want the public to know is that credit unions are member owned and exist to serve. As not-for-profit cooperatives, credit unions return benefits to their members and are able to offer higher returns on savings, lower fees, lower interest rates, and other services. With this proposed reform, for every $1 in new taxes on credit unions, the government would wipe out $10 in benefits to credit union member-owners and consumers. Also, while credit unions hold 6% of all financial assets nationwide, taxing credit unions will not help the budget deficit.

These banks are partly pushing this reform because there has been a recent dissatisfaction with their business practices, and consumers are looking for other banking alternatives. Since credit unions exist to serve their members and banks maximize their profits for a small group of investors, many consumers are joining credit unions and leaving the banks behind. Last year alone, credit union membership grew by 2 million people, and credit union deposits topped $1 trillion for the first time ever.

“Don’t Tax My Credit Union” is a national campaign dedicated to ensuring Congress doesn’t raise taxes on 96 million credit union members nationwide and preserves financial choice for American consumers. To learn more about how to preserve credit unions so that they may continue to serve you, visit There, you will find recent news and information on how to take action and get involved.

2012 Members First Annual Report

Caryl Greene, President/CEO

On February 28, 2013, Members First Credit Union members attended the MFCU 2013 Annual Meeting.  Throughout the meeting, CU members, the Board of Directors, Management and Staff reflected on the progress of 2012 and the continued dedication of Members First to provide the best experience for each and every person who walks through its doors, as well as help them realize their financial dreams.

Despite ongoing financial turmoil and ever-increasing regulatory burdens in 2012, Members First was able to maintain a competitive rate strategy and help put money into the pockets of member-owners.  Members First focused on providing products and services that members need and deserve, while maintaining a financially sound balance sheet. 

Below are some highlights from the meeting.  Click here to view the full 2012 MFCU Annual Report.

2012 Key Highlights

  • Assets grew by  6.07%
  • Membership increased 2.16%
  • Net Capital Ratio 15.28% (7% NCU minimum allowable level for “well-capitalized credit unions”)
  • Maintained 5-Star Superior rating by BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading bank rating and research firm
  • Continued to offer “Still Free Checking and Fee Free Debit Cards”
  • Increased Internet Banking users with the introduction of Mobile Apps, Financial Calculators, and improved Internet Banking Security
  • Introduced additional Youth Programs and resources for members ages 18 and under
  • Offered Financial Literacy Programs to the community and sponsored community organizations and events
Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.
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