Member Rewards
What’s In It For Me?
When you are a member of VSECU, the more you rely on us for your financial needs, the more you’ll receive in benefits and savings. The Member Rewards Program helps you pay less in fees and allows you to take advantage of many services for FREE.
Add the combined total deposit, loan and credit card balances you have at VSECU to determine your membership and reward level.
- Standard Membership
(up to $5,000) - Advantage Members
($5,000 – $25,000) - Advantage Plus Members
(over $25,000)
All members receive the following services free as a part of their membership:
- FREE Debit card
- FREE Checking account
- FREE e-Statements
- FREE Automated telephone access
- FREE Unlimited transactions at VSECU ATMs
- FREE Online banking
- FREE Online check copies
- FREE Notary and signature guarantee services
- FREE Consultation with a Member Service Consultant
- FREE Consultation with MEMBERS Financial Services
- FREE $5,000 worth of AD&D insurance
If you step up to an E2 member you will also benefit from:
- 4 FREE Non-VSECU ATM Transactions Per Month
- FREE Bill Pay
E2 MEMBER – an eco-friendly member that uses the following electronic services: Online banking, e-Statements, and conducting at least two (2) Visa debit transactions by PIN or signature-based per month.
Advantage Membership Rewards – $5,000 – $25,000 Balance
- FREE Debit card
- FREE Checking account
- FREE e-Statements
- FREE Automated telephone access
- FREE Unlimited transactions at VSECU ATMs
- FREE Online banking
- FREE Online check copies
- FREE Notary and signature guarantee services
- FREE Consultation with a Member Service Consultant
- FREE Consultation with MEMBERS Financial Services
- FREE $5,000 worth of AD&D insurance
- 8 FREE Non-VSECU ATM Transactions Per Month
- FREE Bill Pay
- 66% Discount on Cashier’s Checks
- Up to $4 in ATM Surcharge Rebates Per Month
- 66% Discount on Money Orders
- 33% Discount on Overdraft Protection Transfer
- 50% Discount on Traveler’s Checks
- FREE Standard Card Replacement
Advantage Plus Membership Rewards – Over $25,000 Balance
- FREE Debit card
- FREE Checking account
- FREE e-Statements
- FREE Automated telephone access
- FREE Unlimited transactions at VSECU ATMs
- FREE Online banking
- FREE Online check copies
- FREE Notary and signature guarantee services
- FREE Consultation with a Member Service Consultant
- FREE Consultation with MEMBERS Financial Services
- FREE $5,000 worth of AD&D insurance
- 10 FREE Non-VSECU ATM Transactions Per Month
- FREE Bill Pay
- FREE Cashier’s Checks
- Up to $8 in ATM Surcharge Rebates Per Month
- FREE Money Orders
- FREE Overdraft Protection Transfer
- FREE Traveler’s Checks
- FREE Standard Card Replacement
- FREE Coin Machine Usage
The More You Do With Us – The More Rewards
In the true spirit of a cooperative, our members are treated equitably and receive additional benefits in proportion to the contribution they make to VSECU. In other words, members who rely on us for more of their banking needs will pay less in fees and receive many services for free.
Why? Because members who rely on us most generate more for the credit union to cover service related expenses. For members who are not fully participating and not relying on VSECU, they may be required to pay for more of the full cost of the services they choose to use.
All members will enjoy our great rates on deposits and loans. And those who take advantage of those products, will enjoy even more benefits!
- Your balance as a joint owner, co-owner, and co-signer on other accounts are included in determining your overall relationship.
- Balance is determined by aggregating: 1) credit card balances as of the last statement cycle; and 2) the average monthly balances OR the end-of month balances for deposits and other loan accounts, whichever is more advantageous to you.
- Reward levels are determined at the end of each month for the next month.
Questions about Member Rewards? Ask here:
Your VSECU Membership Has Many Benefits
We have partnered with Liberty Mutual Insurance to offer discounted auto, home, condo and renter’s insurance to members living in Vermont and New Hampshire. Learn more about receiving these discounted rates.
Members also benefit from our fuel buyers co-op to reduce their home heating costs. Learn more about VHeat.
We offer discounted loan rates for alternative solar energy home solutions to our members. Learn more about Solar Loans.
We also offer convenient auto financing at many dealerships across the state. Learn more about CUDL.
Both Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) are offered to VSECU members for their vehicles. These protection programs are comparable to what a dealership may offer, however in many cases, at a more affordable cost. Learn more about GAP and MBP.
Our VERMONT Platinum card holders also benefit from things like cell phone protection, an auto rental collision damage waiver, personal identify theft reimbursement and travel accident insurance. Learn more about our VERMONT Platinum card benefits on our microsite: WelcomeVermonters.com
