Get more from your LMCU membership.
Did you know that our MORE Rewards Program gives you extra perks for the accounts and services you already use every day? You do you, and we’ll reward you!
How our MORE Reward Program works
LMCU members earn points just for doing their everyday banking here. Earn enough points, and you’ll level up your membership, which comes with better rates, ATM access, free checks, and more!
Build points through everyday banking and account activity
Keep your deposit balances high, and keep your loan balances low to earn points each month.
Build your relationship with more LMCU accounts and services
The more accounts you keep active, the more monthly points you’ll score, too.
Enjoy the perks!
As your MORE Rewards Program tier grows from Basic to Value to VIP, you’ll earn more exclusive rewards.
MORE Rewards tier comparison
| Feature |
Basic 0 – 199 points |
Value 200 – 399 points |
VIP 400+ points |
|
|---|---|---|---|---|
| Feature | ||||
| Free LMCU ATM transactions | Yes | Yes | Yes | |
| Free money orders/corporate checks | — | — | 2 per month | |
| Free non-LMCU ATM transactions per month | 0 per month | Up to 5 per month | Up to 10 per month | |
| CD rate bonus | — | — | 0.25% APY bonus | |
| Free 2 boxes of basic image checks | — | — | Yes | |
| Free check copies | — | — | Yes | |
| Free telephone transfers | — | — | Yes | |
| Free account research | — | — | Yes | |
| Free statement copy | — | — | Yes | |
| Free account history printouts | — | — | Yes | |
| Free debit/credit card replacement | — | — | Yes | |
| Safe deposit box rental discount | — | — | 25% discount | |
How to earn MORE Rewards points
Your point total determines your rewards level. As you move from Basic to Value to VIP, you unlock additional benefits and service perks.
| Feature |
Points |
|
|---|---|---|
| Feature | ||
| Automatic funds transfer (loan payment) | 25 | |
| eStatements/eNotices enabled | 25 | |
| IRA (Individual Retirement Account) | 25 | |
| Mortgage loan | 25 | |
| Home equity loan | 50 | |
| Active phone/online banking** | 50 | |
| Checking account | 50 | |
| Money market accounts (min. $2,500 balance) | 50 | |
| Active debit card | 50 | |
| Active credit card | 50 | |
| Direct deposit (min. $100/month) | 50 | |
| LMCU Membership 10+ years | 150 | |
| Deposit balances (aggregated) | ||
| Up to $2,499.99 | 25 | |
| $2,500.00 – $9,999.99 | 100 | |
| $10,000.00 – $24,999.99 | 200 | |
| $25,000.00 – $49,999.99 | 300 | |
| $50,000.00+ | 400 | |
| Any share account with a negative balance | -200 | |
| Loan balances (aggregated) | ||
| Up to $4,999.99 | 25 | |
| $5,000.00 – $9,999.99 | 100 | |
| $10,000.00 – $24,999.99 | 200 | |
| $25,000.00 – $49,999.99 | 250 | |
| $50,000.00+ | 350 | |
| Any loan with a delinquency | -200 | |
Disclosures
*APY = Annual Percentage Yield
**Third party carrier fees and data rates may apply
Do I need to enroll in the MORE Rewards program?
That’s the best part: if you’re an LMCU member, you’re already enrolled!
To view your MORE Rewards points and rewards tier, log in to Online Banking, select Services, then View MORE Score.
If you have questions about using any of your MORE Rewards perks, reach out to us, and we’d be happy to help.
Do even MORE with your membership
Discover more handy products and tools to help you manage deposits, supercharge your savings, and bring you another step closer to your financial goals — all while earning MORE Rewards points!
