Metrum Ownership Reward

Earn MOR with MCCU!

Last year, 1,995 owners of MCCU received a year-end ownership reward totaling over $30,000.

Now, MCCU is excited to announce the Metrum Ownership Rewards (MOR) program that will pay owners back ALL YEAR LONG!

The MOR program is designed to reward each owner (member) based on their level of participation in the Credit Union.  From the accounts you open, to the balances and types of transactions you do every day… the more you do with us, the more points you’ll earn! And the more points you earn, the more benefits you get, from special rate incentives to waived fees. Earn MOR at Metrum CU!

Member Level Point Range
Bronze Level: 1-350
Silver Level: 351-550
Gold Level: 551-750
Platinum Level: 751 & Higher

MOR Benefits

Bronze 1-350

  • Free Online Banking
  • Mobile App
  • Mobile Deposit Capture
  • CU*Talk Audio Banking
  • E-Statements
  • E-Notices
  • E-Alerts
  • Up to 5 Free ATM Transactions

Silver 351-550

Bronze PLUS

  • Loan Interest Rebate1– up to .25%
  • CD Rate Bonus2– up to .015%
  • Savings Rate Bonus2– up to .015%

Gold 551-750

Bronze & Silver PLUS

  • Loan Interest Rebate1– up to .50%
  • CD Rate Bonus2– up to .03%
  • Savings Rate Bonus2– up to .03%
  • No holds placed on first $500 ATM Deposit
  • No Fee Check Cashing
  • No Fee Teller/Cashier Check
  • Unlimited Shared Branch Transactions
  • No Debit Card or Credit Card Annual Fee

Platinum 751 and Higher

Bronze, Silver & Gold PLUS

  • Loan Interest Rebate1 – up to 1.00%
  • CD Rate Bonus2– up to .06%
  • Savings Rate Bonus2– up to .06%
  • No holds placed on first $1,000 ATM Deposit
  • Free Transaction History Print-outs
1 Credit Cards and Share Secured loans are not included. Indirect Autos are not included at Silver level. Rebate paid directly to loan suffix. Loans paid and closed prior to the end of month will not receive rebate. Rebates issued to mortgage loans will reduce the total interest paid and will be reflected on tax form 1098.  2Bonus amounts paid will reflect as interest earned and will be reported on 1099-DIV. Suffixes or accounts closed prior to the end of the dividend period will not receive the bonus rate. Swipe & Save Savings excluded. Rebates and Bonuses are determined by member level and account type.  *Point values and benefits are subject to change at any time*

Earn MOR Points!

All owners (members) are automatically enrolled-the only thing you have to do is continue using your Credit Union products and services.  The chart below shows the point value for each Credit Union service. Your account is reviewed at the end of each month and points are awarded on the first day of the next month.

Savings Points
Checking Account 50
Years of Membership – per year 1
Certificates 25
IRA Certificate or Savings 25
Money Market Savings 25
Aggregate Share Balances – up to $4,999 25
Aggregate Share Balances-from $5,000-$24,999 65
Aggregate Share Balances-from $25,000-$49,999 100
Aggregate Share Balances-from $50,000-$99,999 125
Aggregate Share Balances-from $100,000 and higher 150
Loans Points
Mortgage (First or Second) 30
Home Equity Line-of-Credit 30
All Other Loans  Apply Online for Quick Approval 50
Aggregate Loan Balances- up to $2,000 50
Aggregate Loan Balances- from $2,001-$7,500 90
Aggregate Loan Balances- from $7,501-$20,000 125
Aggregate Loan Balances- from $20,001-$34,999 155
Aggregate Loan Balances- from $35,000 and higher 180
Credit Card Usage
Points
Credit Card Transactions (#)- up to 3 30
Credit Card Transactions (#)- from 4-7 45
Credit Card Transactions (#)- from 8-10 60
Credit Card Transactions (#)- from 11 and higher 75
Credit Card Dollars Spent- up to $199 35
Credit Card Dollars Spent- from $200-349  50
Credit Card Dollars Spent- from $350-549  65
Credit Card Dollars Spent- from $550 and higher  80
Debit Card Usage (Self Service) Points
Debit Card Transactions (#)- up to 6 35
Debit Card Transactions (#)- from 7-11 50
Debit Card Transactions (#)- from 12-16 60
Debit Card Transactions (#)- from 17 and higher 85
Debit Card Dollars Spent- up to $499 40
Debit Card Dollars Spent- from $500-$1,249 65
Debit Card Dollars Spent- from $1,250-$1,999 90
Debit Card Dollars Spent- from $2,000 and higher 115
Self Service Points
Active CU*Talk Audio Banking 25
Active Online Banking-Desktop 50
Active Mobile Web Banking 50
Enrolled in E-Statements 50
Enrolled with Bill Payment 50
Valid Email Address 10
Enrolled in E-Notices 30
Enrolled in E-Alerts 30
Active Payroll Deposit >= $500 25
Active ACH Deposit >= $500 100
Active Transfers via AFT 50
Active Loan Payments via AFT 50
Active Loan Payments via ACH 50
Deducted Points Points
Checking Account with a negative balance -300
Savings Account with a negative balance -300
Any Delinquent Loan- 14 days or greater -700
Wrong Mailing Address -100

Learn MOR

Where do you see your Member Level and Points: You can access your MOR details using the It’sMe247 Online Banking (Desktop version) and selecting the Rewards Badge on the left side of the screen.

When do you receive your benefits: Fee waivers are issued at the time of service request. Loan Interest Rebates will be paid at the end of each month and CD/Share Rate Bonuses will be paid at the same period in which dividends and interest are paid.

How do you increase your ownership points to get to the next level: Talk to a Member Service Representative or Loan Officer to learn more.

Ownership Means MOR at Metrum Community Credit Union