Member Rewards
With Member Rewards, you can refund fees, save on WMCU products (such as a free box of checks, loan discount, or $100 off closing costs), and earn WMCU gear! Member Rewards points are automatically accumulated each month based on the products and services you used the month prior. You can contact us or view your point history in Online Banking (desktop/standard version). Member Rewards points can not be redeemed within Online Banking; Contact us to redeem your points.
Spend Your Points
| Save on WMCU Products | Cost |
|---|---|
| One free box of WMCU logo checks (Contact us to order these) | 5,000 points |
| $50 off of loan application (H.E.) | 2,500 points |
| $100 off Closing Costs | 5,000 points |
| * 0.25% off of loan | 5,000 points |
*Minimum rate offered 2.54% APR (Annual Percentage Rate). Does not include HE, Mortgage, Revolving, or CD Secured Loans. Only one discount per loan.
Offers to not be combined with any other special.
| Refund Fees | Cost |
|---|---|
| One non-sufficient funds/ CU*Advance fee | 4,000 points |
| One loan late fee (up to $25) | 2,500 points |
| Account history print-out | 500 points |
| One card replacement fee | 2,500 points |
| Check copy | 750 points |
| Credit Union corporate check | 1,000 points |
| Gift Card by VISA fee | 750 points |
| Money order | 500 points |
| Returned deposit item fee | 2,500 points |
| Stop payment fee | 2,500 points |
| Wire transfers- domestic outgoing | 2,500 points |
| Instant Issue Card | 10,000 points |
This schedule does not include all fees and is subject to change. Fees can only be redeemed for 30 days prior.
| WMCU Gear | Cost |
|---|---|
| Tote bag | 1,000 points |
| Coffee Mug | 2,000 points |
| Earbuds | 2,000 points |
| Pop socket phone accessory | 2,000 points |
| Piggy Bank | 2,500 points |
| Pizza Cutter | 3,000 points |
| Umbrella | 4,000 points |
| Tumbler cup | 6,000 points |
| Travel mug | 6,000 points |
| Water Bottle | 6,000 points |
| Cooler | 8,000 points |
| Beach Towel | 10,000 points |
| Camping chair | 18,000 points |
List above can change at any time. Items will not be shipped. Quantities may be limited.
Earn Your Points
| Loyalty | Amount |
|---|---|
| Every year of membership (after 1 year) | 5 points |
| Valid email address | 5 points |
| Enrolled in a Marketing Club | 25 points |
| Attend a seminar or annual meeting | 50 points |
| Opted in to CU contact | 5 points |
| Wrong Address | -25 points |
| Deposit | Amount |
|---|---|
| Simply Better Checking Account | 100 points |
| Simple Checking Account | 50 points |
| Additional Savings Account | 25 points |
| Certificate of Deposit | 10 points |
| Aggregate balance of $1,000-$9,999 | 25 points |
| Aggregate balance of $10,000- $49,999 | 50 points |
| Aggregate balance of $50,000+ | 100 points |
| Savings account with negative balance | -500 points |
| Lending | Amount |
|---|---|
| Mortgage loans | 300 points |
| Home Equity loans | 100 points |
| All other loans | 50 points |
| Aggregate balance of $1,000-$9,999 | 25 points |
| Aggregate balance of $10,000- $49,999 | 50 points |
| Aggregate balance of $50,000+ | 100 points |
| Delinquent loan account (over 30 days) | -500 points |
| Plastics | Amount |
|---|---|
| Active debit card | 20 points |
| Active VISA credit card | 20 points |
| Use debit card 5+ times per month | 20 points |
| Self-Service | Amount |
|---|---|
| CU*Talk Audio Response- Audio | 10 points |
| It’s Me 247 Online Banking- Active | 25 points |
| Text Banking | 20 points |
| Enrolled in E-Statements | 50 points |
| Enrolled in Bill Pay | 50 points |
| Enrolled in E-Notices | 50 points |
| Enrolled in E-Alerts | 20 points |
| Direct/ ACH Deposit of at least $500/mo | 25 points |
| Loan payments via Auto Funds Transfer | 25 points |
| Account Transfers via Auto Funds Transfer | 10 points |
Working together as the most trusted resource to help our members' financial lives be simply better.