Being a member of MFCU is rewarding!
What is the Member Rewards Program?
Every member earns points for different accounts and services they have. You earn points for each of these items every month. The points* are accumulated for the month prior will determine what “Level” you are for the current month. For example, you earn 400 points for services and accounts for the month of January, your level for February will be Level 4. These points can accumulate and eventually be spent in the Member Rewards Store.
*Be careful, if you have a delinquent loan or negative balance you can lose points earned for that month.
In addition to the points, each level offers free services!
Member Rewards Levels
| Level | Point Range | Free Services |
| 4th | 400+ | ATM Deposits at non-MFCU ATMs (10 free per month) |
| | ATM Withdrawals at non-MFCU ATMs (10 free per month) |
| | Cashier's Checks |
| | Check Cashing Fee Waived |
| | Notary |
| | Money Orders |
| | Personal Check Printing (4 checks per month) |
| | Statement and Transaction History Printouts |
| | Teller Phone Transfers |
| | Wire (1 per month) |
| 3rd | 220-399 | ATM Deposits at non-MFCU ATMs (10 free per month) |
| | ATM Withdrawals at non-MFCU ATMs (10 free per month) |
| | Cashier's Checks (4 free per month) |
| | Check Cashing Fee Waived |
| | Personal Check Printing (4 per month) |
| | Statement and Transaction History Printouts |
| | Teller Phone Transfers |
| 2nd | 101-219 | ATM Deposits at non-MFCU ATMs (5 free per month) |
| | ATM Withdrawals at non-MFCU ATMs (5 free per month) |
| 1st | 100 | ATM Deposits at non-MFCU ATMs (5 free per month) |
| | ATM Withdrawals at non-MFCU ATMs (5 free per month) |
How To Earn Points?
| Accounts~Loans~Services | Point Value |
| Accounts: | |
| Checking Account | 75 |
| Sub Savings Account | 50 |
| High Yield Savings Account | 50 |
| Share Certificates | 50 |
| IRA/IRA Share Certificates | 50 |
| |
| Total Account Balances | |
| $100-$2,000 | 50 |
| $2,001-$10,000 | 75 |
| $10,001-$75,000 | 100 |
| $75,001 and more | 200 |
| |
| Loans: | |
| Home Equity Loan | 150 |
| Mortgage | 200 |
| VISA Credit Card | 150 |
| All Other Loans | 100 |
| |
| Total Loan Balances | |
| $1,000-$5,000 | 25 |
| $5,001-$10,000 | 50 |
| $10,001-$25,000 | 75 |
| $25,001 and more | 100 |
| |
| Services: | |
| ATM or Debit Card | 75 |
| Direct Deposit ($300 per month minimum) | 100 |
| Online Banking (muskfedcu.com) | 100 |
| Mobile App Banking | 100 |
| Telephone Banking (automated system) | 50 |
| Text Banking | 50 |
| Bill Pay | 100 |
| AFT Transfer Between Accounts | 75 |
| AFT Transfer Loan Payment | 75 |
| |
| Negative Account | -150 |
| Delinquent Loans (60 days or more) | -200 |
Member Rewards Store
| Item | Points |
| 1 Cinema Ticket and 1 Cinema Pop/Popcorn Ticket | 13,000 |
| Stop Payment Charge | 10,000 |
| Skip-A-Pay | 10,000 |
| $10 Deposited Into Shares | 10,000 |
| Book of Stamps | 10,000 |
| Cinema Ticxet | 9,000 |
| 50 Free Checks | 6,000 |
| Cinema Pop/Popcorn Ticket | 6,000 |
| $5 Deposited Into Shares | 5,000 |
| $5 Wesco Gift Card | 5,000 |
| Plastic PIN Or Replacement Card Charge | 5,000 |
| Wire Transfer Charge | 4,500 |
| Starter/Temporary Checks (4 Checks) | 4,000 |
| Travel Mug/Tumbler | 3,000 |
| Item From Our Basket/Special Items | 2,000 |
| Stamp (Single) | 500 |
