January 2022
Accelerate Your Home Loan Program
2.99% - 3.25% APR
15-Year Mortgage Refinance Special1
2.50% APR
Learn More or Get Pre-qualified Today
NOTICE OF COMMUNICATION CHANGES: For your convenience we're looking at different and more effective ways to communicate with you. To help us make a decision on the best way to reach you and keep you up-to-date with Members First Credit Union news and promotions, please complete this form with your updated email address and preferred contact method and drop it in the mail. You can also email a picture or scanned copy of your completed and signed form to mfcufl@mfcufl.org or stop by one of our branch locations.
ELECTION NOTICE: In October's Current Living, the ballot process was explained. This year, the incumbents and nominees met with no opposition. For this reason, there will be no need for an election. The nominees will serve their terms as follows:
Tips to Help You Buy Your First Home
Are you thinking of buying a home this year? We've put together a few tips to help lay the foundation to a rewarding home-buying experience.
Check Your Credit Score
Do you know your credit score? If you're in the market to buy a home, your score will help to determine the loan and interest rate you qualify for. Understanding your credit score can help you better understand the role your score plays in your financial life. Checking your credit score will allow you to identify red flags, like a low score or credit accounts that you may not be aware of, so that you can work to address any issues before you apply for a mortgage.
Understand Your Finances
It's always good practice to document your finances (income, liabilities, and assets), but this practice is especially important when you're planning on purchasing your first home. Your income, liabilities (debts and financial obligations), and assets, are key to helping your lender determine what you can afford. Understanding your spending habits will help paint an accurate picture of your finances. Do you have enough money saved for a down payment or closing costs? If your spending habits aren't aligning with your goals, you'll want to adjust where you can so that you can start saving to cover these costs. Speak with a financial service representative about your options to make sure that you're choosing the mortgage that best fits your budget now and in the future.
Ask Questions
Buying a home, whether you're a first-time homebuyer or have purchased multiple homes in the past, is a major milestone and one of the most important and biggest purchases you'll ever make. So, if you're unsure about any step in the homebuying process, ask questions. Your credit union is here to help with any financial questions or concerns you may have. Speaking with a financial service representative can help you plan, simplify, and streamline the process of purchasing your home.
Learn More or Contact Us Today!
You can learn more about our home loans and the home-buying process by visiting our website or speaking with a credit union representative. To speak with a Members First credit union representative in our loan or mortgage department, please call (850) 434-2211 and select option 2. Our Member Information Call Center hours are Monday-Friday, from 8:30-4:30 p.m.
Honoring Employees Who Have Reached A Milestone In Their Careers.
Thank you for opening your hearts to those in need this holiday season and making our fifth year partnering with Ever'man Cooperative Grocery & Cafe for the Meal in a Bag Program a success. Because of your generosity, support, and a match from Members First, we were able to provide over 800 bags of wholesome holiday meal kits to Manna Food Pantries for distribution to local families in need.
Because of you, a child in Escambia or Santa Rosa County had a wonderful Christmas! Your contributions, donations, and presents toward the Angel Tree Program have made a great impact in helping the less fortunate children in our community. Thank you for all your generosity and for putting a smile on so many faces.
We are so grateful to be part of an amazing community that always pulls through to make this annual tradition of giving impactful, year after year.
Empty Piggy? Start Saving Now With a Christmas Club Account.
With the holiday season coming to a close, Christmas this year is probably far from your mind, but it pays to start saving for your holiday expenses in advance. Open a Christmas Club account a Members First and decide how much to put away weekly, bi-weekly, or monthly. In November, your Christmas Club funds are transferred to your savings account — just in time for the holidays. Speak with a credit union representative at one of our branch locations or call (850) 434-2211 to learn more or get started.
Save on TurboTax® and H&R Block® This Tax Season
Get the tax help you need and special member savings with TurboTax and H&R Block.
Visit https://taxservices.lovemycreditunion.org for TurboTax and H&R Block offer details and disclaimers.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act. NMLS# 405711. APR = Annual Percentage Rate. APY = Annual Percentage Yield. All offers subject to credit approval.
Notice: "Current Living" is an official publication of Members First Credit Union of Florida, and it serves as an official notice to the Credit Union membership of matters contained within.
Holiday Hours
All offices will be closed on the following dates:
Saturday, January 1 — New Year's Day
Monday, January 17 — Martin Luther King Day
Monday, February 21 — Presidents' Day
Monday, May 30 — Memorial Day
Monday, June 20 — Juneteenth
Monday, July 4 — Independence Day
Monday, September 5 — Labor Day
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