Understanding Member Rewards: Making Your Membership Work for You
02/20/2025
By: Kelly Carlisle, Member Experience Manager
Understanding Member Rewards: Making Your Membership Work for You
At MCCU, we believe in rewarding you for making us your primary financial institution. Our Member Rewards Program is designed to give you the best value based on your relationship with us – offering more benefits as you deepen your engagement through account activity, deposit balances, and loan relationships.
How Member Rewards Work
With MCCU’s Member Rewards Program, there’s no enrollment—every member starts with rewards from day one! As you use more of our products and services – like maintaining higher deposit balances, taking advantage of lending solutions, and actively using your checking account – you unlock even more valuable benefits.
Rather than a step-by-step system, our Member Rewards Program is built around your unique financial relationship with us. The more you use us for your everyday banking, the more rewarding your membership becomes.
Membership Levels & Benefits
Valued Member (All Members)
Every member enjoys these rewards:
- Free Checking Account
- Free Debit Card
- Free eServices, including our mobile app, online banking, and bill pay
- Eight (8) Free ATM Transactions per month
Loyal Member (For members with at least $20,000 in loan balances OR $20,000 – $49,999 in deposits)
As a Loyal Member, you’ll gain these additional rewards:
- Higher CD rates
- Lower consumer loan rates
- Thirteen (13) Free ATM Transactions per month
Advantage Member (For members with $20,000+ in loan balances OR $50,000+ in deposits)
Enjoy even greater savings and rewards as an Advantage Member, including these additional rewards:
- Even higher CD rates
- Even higher loan rates
- Unlimited ATM Transactions
- Free cashier’s checks and money orders
- Free instant issue debit card replacement
- Discounted mortgage origination fees
Premier Member (For members who have a Kasasa® Checking Account with 12+ Transactions Per Month)
That’s right, a member who has a Kasasa Checking account with 12+ transactions a month, is our highest rewards member. Become a Premier Member and unlock these additional rewards:
- Highest CD rates
- Lowest consumer loan rates
Earn More, Save More & Borrow Smarter
The best way to get the most out of your membership is to enroll in a Kasasa Checking account. Not only will you receive the highest member rewards, but you’ll also be rewarded for things you are probably already doing – using your debit card, logging into online banking, and receiving eStatements. With Kasasa, you can put more money back in your pocket – whether that’s earning cash back on everyday purchases, getting a break on ATM fees, or growing your savings faster.
Maximize Your Rewards Today!
Our Member Rewards Program is different from other institutions and focuses on helping you save more, borrow smarter, and make the most of your everyday banking. Whether you’re just starting with us or already taking full advantage of our products and services, there are always ways to maximize your benefits.
Not sure which membership level suits you best? We’re here to help – stop in or give us a call and let’s find the best way to maximize your rewards.