Members 1st Federal Credit Union knows when it comes to lending, one program does not fit all needs — for neither the credit union nor the member. The Pennsylvania-based credit union offers a diverse product line that has helped it grow even during a time of soft loan demand. So Callahan headed north this summer to discover more about the philosophy and logistics behind this $2.2 billion institution. From point-of-sale merchant lending to high-limit line of credit, balance transfers to student lending, this credit union has something for everyone.