Membership Value Pricing Program
Be rewarded for your loyalty to the credit union! As a member-owner of this
financial cooperative, we invite you to use the products and services available
to you. Membership Value Pricing (MVP) is the cherry on top of an already great
membership. MVP is much like an airline frequent flyer program or other frequent
buyer club—the more services you use with us, the greater your rewards!
It's easy to qualify for MVP status—just maintain an active WESTconsin
checking account, regularly
direct deposit your primary source of income to that account, and maintain a minimum average
monthly household loan or deposit balance.
Silver MVP—Household Monthly Average Balance (deposits and/or loans*)
Gold MVP—Household Monthly Average Balance (deposits and/or loans*)
exceeds $30,000 OR a current first mortgage loan (with a balance) through
WESTconsin Credit Union.
*Guaranteed student loan balances not included.
||Silver MVP Benefits
|Loan Annual Percentage Rate (APR) discount on new
Personal Loans, or Express Loan advances, made after signing up
(remains through loan period)
|Visa credit card APR discount
||.25% discount||.50% discount
|Preferred Checking monthly fee
||Reduced to $4||No charge
|Select Checking monthly fee
||Reduced to $3||
|Bonus certificate dividend rate
(remains through certificate period)
|Check or ACH NSF
(non sufficient funds) fee per item
$25||Reduced to $20
|Ready Reserve transfer fee
||Reduced to $1||No charge
(FREE unlimited transactions at WESTconsin-owned ATMs & four (4) free per
month at non-WESTconsin ATMs)
|Reduced to 75¢
|Safe deposit boxes
|Real estate closing cost discount
|Gift cards (limit may apply)
|Reloadable/travel cards (limit may
Link Your Household Accounts
We can link the accounts of those in your household to get you
to MVP status. You don't have to link accounts of household members to qualify
for MVP. However, it could be to your benefit to do so. Give us a call, and
we'll help you determine if linking accounts is in your best interest. Qualified household members are immediate family members—spouse, parents, children and step-children—who live at the same address.
Linking households for MVP status will not automatically grant account joint
ownership on the accounts. Linking is strictly to get you the best MVP status
For more information about MVP, or to access a Household Link
MVP Important Notes
- Your balances and services will be reviewed at the end of each
- Your MVP level will appear near the beginning of each monthly
- Preferred Checking charges for that particular month will be
based on the MVP level appearing on that statement. You will receive the other
MVP benefits until the next month's review.
- Any loan 15 days or more past due during a month will not be
included in that month's qualifying calculations.
- Households or members with any outstanding negative balance
accounts or charged off balances do not qualify for an MVP level.
- MVP only applies to personal accounts; business accounts
connected to a Business Membership Savings account do not qualify.
- Your household may move between levels each month based on your balance and
service relationship, and charges could adjust accordingly.