Read the Swivel Payment Update Letter sent to Members 1st members utilizing Swivel Pay for loan payments.
Read the Important Dates Reminder Postcard sent to all Members 1st primary members.
Read the Payment Transfer Letter sent to all Members 1st credit cardholders Audience: M1 credit cardholders explaining payment set up and options for Minimum Due Payments, Scheduled Transfer Payments, and Statement Balance Payments.
Read the Business Account Debit Card Reissue Letter sent to all Members 1st business cardholders.
Click the link below to view a copy of the system transition guide sent to all members.
Thank you for your valued credit union business and your decision to protect your loan(s) with a payment protection product. This letter is to inform you that your protection under Members 1st Credit Union is being transitioned to Rogue Credit Union's MEMBER'S CHOICE™ BORROWER SECURITY Contract effective July 1, 2026. Claims for any protected events that occur before this date will be processed under the current Members 1st Credit Union's Wealth Protection Program Contract terms and conditions.
The protection type you previously elected will continue under the new terms and conditions. Claims submitted to activate protection for protected events that occurred on or before June 30, 2026, will be processed according to the terms of the protection then in force.
It is important to review the summary table(s) below and the new MEMBER'S CHOICE™ BORROWER SECURITY Contract (Member Agreement) to make sure you completely understand your protection. The enclosed Member Agreement replaces the current Agreement you have.
All terms, conditions and exclusions of the new Member Agreement will be effective July 1, 2026.
There is no action required, and you do not need to sign or return the Member Agreement to continue protection. However, remember that protection is optional, and you can cancel at any time. If you have any questions, please contact us at the phone number listed below.
We have updated the names of the available MEMBER'S CHOICE™ BORROWER SECURITY Options.
The fee(s) below will be applied monthly to protected loans up to the Member Agreement maximums. An increase in fee could result in a higher last loan payment, a higher monthly payment, or may extend the duration of the loan.
LifePlus Disability Involuntary Unemployment
Through June 30, 2026
$0.477
As of July 1, 2026
$0.399
LifePlus Disability
Through June 30, 2026
$0.351
As of July 1, 2026
$0.299
LifePlus
Through June 30, 2026
$0.090
As of July 1, 2026
$0.129
LifePlus Disability Involuntary Unemployment
Through June 30, 2026
$0.477
As of July 1, 2026
$0.399
LifePlus
Through June 30, 2026
$0.099
As of July 1, 2026
$0.129
The new program features (terms, conditions and/or exclusions) will be applied to all protected loans on the effective date of the change. For complete details of any changes, please refer to the enclosed Member Agreement.
LifePlus
The maximum protection amount has decreased for Credit Cards to $75,000. The maximum protection amount for Consumer Loans has not changed and remains at $100,000.
Section in the Enclosed Member Agreement to Reference More Information: PROTECTED EVENTS, LifePlus, page 2
Disability & Involuntary Unemployment
After You have satisfied the waiting period and beginning with the 1st day of your Disability and/or Involuntary Unemployment, we will cancel a minimum of 1 scheduled monthly payment(s). Thereafter, we will continue to cancel Your scheduled monthly payment for each 30 days, consecutive or non-consecutive, that You are Disabled and/or Involuntary Unemployed, up to a maximum of (a) 12 months or (b) $12,000 for Disability and (a) 3 months or (b) $3,000 for Involuntary Unemployment.
Section in the Enclosed Member Agreement to Reference More Information: PROTECTED EVENTS, page 3
We understand you may have questions regarding this new payment protection program, about how this affects your loan, or about changing your monthly payments. Feel free to call us at (800).303.3838 and we will be happy to help.
Sample Consumer Agreement
Sample Credit Card Agreement
Read the Consumer Account Mapping Letter or Business Account Mapping Letter sent to all respective Members 1st accounts.
Read the Credit Card Change in Terms Notice sent to all credit card holders.
Our system transition is scheduled for June 26–29, 2026. It will bring several exciting updates, including new technology, improved security and more.
Here’s what you can expect right now:
To ensure you receive important updates, please take a moment to review your contact information.
To make the upcoming system transition as smooth as possible, some Members 1st debit and credit cards are being reissued earlier than expected.
If your card is set to expire in June or July, your new card will arrive by mail between mid-April and early May.
For the best experience during the system transition, please activate your new card by June 15, 2026. Once activated, your card will work normally, both before and after the system transition.
If you have questions or need help activating your card, please contact us.
