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Last Updated: 01/21/2026

Members 1st CU of Florida Select Checking

from Members First Credit Union of Florida

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

0.10%(Verified 06/21/2024)

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Monthly Maintenance Fee

$10(Verified 01/21/2026)

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Members 1st CU of Florida Select Checking Review

The Members 1st CU of Florida Select Checking is offered by Members First Credit Union of Florida, a credit union founded in 1954 and based in Pensacola, FL. Members 1st CU of Florida Select Checking is available in 1 state.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.10% .
Charges a monthly fee. This account charges a monthly fee of $10.
$1,000 minimum opening deposit. This is a typical minimum initial deposit.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Members First Credit Union of Florida mobile or online banking.

Members 1st CU of Florida Select Checking Pros & Cons

Pros

Cons

Dividend-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Does not provide access to a nationwide ATM network.
Only available in one state.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

Members 1st CU of Florida Select Checking FAQ

Are checking accounts from Members First Credit Union of Florida federally insured?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Members 1st CU of Florida Select Checking offer?

Members 1st CU of Florida Select Checking Rates & Terms

Description

APY (Annual Percentage Yield)

0.10%

Members 1st CU of Florida Select Checking offers an APY of 0.10% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $1000.

What are the account minimums for Members 1st CU of Florida Select Checking?

Members 1st CU of Florida Select Checking requires a minimum initial deposit of $1,000.

Members 1st CU of Florida Select Checking Minimums

Description

Minimum Balance to Earn APY

$1,000

Minimum Opening Deposit

Starting at $1,000

What fees does Members 1st CU of Florida Select Checking charge?

This account charges a monthly maintenance fee each statement cycle of $10.

Members 1st CU of Florida Select Checking Fees

Description

Monthly Maintenance Fee

$10

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1

NSF Fee

$30

Overdraft Item Fee

Starting at $30

Early Account Closure

Starting at $25

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Check Copy

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $15

Wire Transfer Fee - International (Outgoing)

Starting at $57.50

Wire Transfer Fee - International (Incoming)

Starting at $10

Wire Transfer Fee - US Domestic (Incoming)

Starting at $10

Does Members 1st CU of Florida Select Checking charge overdraft fees?

Yes, Members 1st CU of Florida Select Checking charges a $30 fee for every overdraft.

What features and perks does Members 1st CU of Florida Select Checking offer?

This account includes the following features:

Fraud monitoring - Members 1st CU of Florida Select Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Members 1st CU of Florida Select Checking allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.

What is the customer support email for Members 1st CU of Florida Select Checking?

The customer support email for Members 1st CU of Florida Select Checking is mfcufl@mfcufl.org.

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Message from Members 1st CU of Florida Select Checking

Members First Credit Union of Florida offers plenty of options when it comes to choosing your checking account. Each option comes with its own perks, so you can’t go wrong. That’s because we make it a point to always provide our members with free features and many other benefits to make your life, on-the-go, more convenient.

Members First invites you to earn more by opening a Select Checking account. When you do, you’ll get all of the benefits of our Regular Checking AND you’ll be paid monthly dividends based on your account’s average daily balance.

Contact

Headquarters

P.O. Box 12983

Pensacola, FL 32591

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 4:30PMTuesday9:00AM - 4:30PMWednesday9:00AM - 4:30PMThursday9:00AM - 4:30PMFriday9:00AM - 4:30PMSaturday8:30AM - 12:00PM

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APY (Annual Percentage Yield)

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Monthly Service Fee

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SuperMoney Net Recommendation Score

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-1000+100

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