Rewards Program

The more you have, the better it gets.

Our MORE (Member Owner Rewards Enhancement) program rewards you for your account activity. The more LMCU products and services you use, the more rewards you get.

How it works:

  • Points are assigned to each type of LMCU account you establish and the services you use
  • The more LMCU accounts you have, the more quickly you earn rewards
  • Your point total (your MORE score) determines which relationship level you belong to: Basic, Value, or VIP
  • Each level entitles you to an escalating list of perks

What's my score?

Your MORE score can be viewed in Online Banking under Services in the main menu.

Relationship Levels

Your relationship level gets you more perks like:

  • Basic (0 - 199 points)
  • Value (200 - 399 points)
    • 2 free money orders or corporate checks per month
  • VIP (400+ points)
    • 0.25% APY* CD bonus
    • 25% discount on safe deposit box rental
    • 2 free boxes of basic image checks per year

MORE Reward Points

Accounts & Services Points
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) Points
up to $2,500 25
$2,500 - $9,999 100
$10,000 - $24,999 200
$25,000 - $49,000 300
$50,000+ 400
Any share account with a negative balance -200
Loan Balances (aggregated) Points
up to $5,000 25
$5,000 - $9,999 100
$10,000 - $24,999 200
$25,000 - $49,999 250
$50,000+ 350
Any loan with a delinquency -200

*APY = Annual Percentage Yield. **Standard data rates may apply.

Questions? We're here to help

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