Metrum Ownership Reward (MOR)

Earn MOR with MCCU!

Since 2019, MCCU has paid out over $105,000 in Metrum Ownership Rewards (MOR)!

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 .035%
Savings Rate Bonus²– up to .035%
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 .07%
Savings Rate Bonus²– up to .07%
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.