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Members 1st Federal Credit Union Enola, PA

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Members 1st Federal Credit Union Enola, PA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Members 1st Federal Credit Union Enola, PA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Members 1st Federal Credit Union Enola, PA's Auto Loan Rates are as low as 5.54%. MonitorBankRates evaluates the financial stability of Members 1st Federal Credit Union Enola, PA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.74%. Rates last updated and verified on 09/23/2026.

Members 1st Federal Credit Union Enola, PA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Members 1st Federal Credit Union Enola, PA? Share your experience about Members 1st Federal Credit Union Enola, PA by leaving a review below, or read customer reviews before you decide to use Members 1st Federal Credit Union Enola, PA.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Members 1st Federal Credit Union Enola, PA
Members 1 FCU

5000 Marketplace Way
Enola, PA 17025

https://members1st.org

Members 1st Federal Credit Union Enola, PA Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	5.99%	10-Year Fixed Rate
Details 10-Year Fixed Rate as low as 5.99 APR* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%

Members 1st Federal Credit Union Enola, PA Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan (2024 - 2026 Vehicles)	-	-	5.54%	12 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2024 - 2026 Vehicles)	-	-	5.54%	24 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2024 - 2026 Vehicles)	-	-	5.54%	36 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2024 - 2026 Vehicles)	-	-	5.54%	48 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2024 - 2026 Vehicles)	-	-	5.54%	60 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	5.79%	12 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	5.79%	24 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	5.79%	36 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	5.79%	48 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	5.79%	60 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2024 - 2026 Vehicles)	-	-	5.94%	72 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	6.19%	72 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	6.29%	12 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	6.29%	24 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	6.29%	36 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	6.29%	48 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	6.29%	60 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2024 - 2026 Vehicles)	-	-	6.34%	84 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	6.59%	72 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2021 - 2023 Vehicles)	-	-	6.59%	84 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2018 - 2020 Vehicles)	-	-	7.09%	84 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2017 & Older Vehicles)	-	-	7.79%	12 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2017 & Older Vehicles)	-	-	7.79%	24 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2017 & Older Vehicles)	-	-	7.79%	36 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2017 & Older Vehicles)	-	-	7.79%	48 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2017 & Older Vehicles)	-	-	7.79%	60 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%
Vehicle Loan (2017 & Older Vehicles)	-	-	8.19%	72 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Members 1st Federal Credit Union Enola, PA’s Texas Ratio stayed near 4.20% in Q2 2023 to 3.74% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$8.6B	3.74%	5.0	A+
December 31, 2025	$8.3B	4.71%	5.0	A+
September 30, 2025	$8.3B	4.86%	5.0	A+
June 30, 2025	$8.3B	5.21%	5.0	A+
March 31, 2025	$8.3B	4.37%	5.0	A+
December 31, 2024	$8.1B	4.89%	5.0	A+
September 30, 2024	$8.0B	5.08%	5.0	A+
June 30, 2024	$7.9B	5.02%	5.0	A+
March 31, 2024	$7.8B	4.92%	5.0	A+
December 31, 2023	$7.4B	5.31%	5.0	A+
September 30, 2023	$7.3B	4.85%	5.0	A+
June 30, 2023	$7.1B	4.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Members 1st Federal Credit Union Enola, PA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Members 1st Federal Credit Union Enola, PA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Members 1st Federal Credit Union Enola, PA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Members 1st Federal Credit Union Enola, PA

Website https://members1st.org

Address 5000 Marketplace Way, Enola, PA 17025

Phone 717-697-1161

Fax

President Ryan Colquhoun

CEO Michael Wilson

Full-Time Employees 1,260

Part-Time Employees 50

Branch Locations 60

ATM Locations 61

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.74%

Return on Assets (ROA)

0.5581%

Return on Equity (ROE)

3.8894%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

8,612,903,582

Total Amount of Shares and Deposits

7,325,291,682

Total Shares and Deposits < 1 Year

7,288,926,900

Total Shares and Deposits 1 3 Years

32,269,515

Total Shares and Deposits > 3 Years

4,095,268

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

748,592,221

Total Uninsured Shares and Deposits > $250K (F+J)

762,559,345

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,562,732,337

Total Interest Expense (Sum of items 6 8)

29,396,580

Share Certificates

87,737

Number of Accounts for Share Drafts

336,835

IRA KEOGH Accounts

19,047

Number of Accounts for Regular Shares

735,835

All other shares

7,974

Non Member Deposits

Money Market Shares

48,700

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

502,212,928

Total Liabilities

7,411,474,434

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Members 1st Federal Credit Union Enola, PA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Members 1st Federal Credit Union Enola, PA

How many branches does Members 1st Federal Credit Union Enola, PA operate?

Members 1st Federal Credit Union Enola, PA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Members 1st Federal Credit Union Enola, PA?

Yes, to access services at Members 1st Federal Credit Union Enola, PA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Members 1st Federal Credit Union Enola, PA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Members 1st Federal Credit Union Enola, PA provides members with tools to manage their accounts and build a solid financial history.

Does Members 1st Federal Credit Union Enola, PA offer online and mobile banking?

Most modern institutions like Members 1st Federal Credit Union Enola, PA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://members1st.org.