Membership Value Pricing

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MVP—Membership Value Pricing Program

It's easy to qualify for MVP status—just maintain an active WESTconsin Credit Union Preferred, AddsUp, Select or Free 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*) exceed $15,000

Gold MVP—Household Monthly Average Balance (Deposits, and/or Loans*) exceed $30,000 OR a current First Mortgage Loan (with a balance) through WESTconsin Credit Union

*Guaranteed Student Loan balances not included as they are not directly tracked on our computer system.

Product/Service	Silver MVP Benefits	Gold MVP Benefits
Loan APR Discount on new Personal Loans or Express Loan advances made after signing up remains through loan period	.35% discount	.75% discount
Visa Card APR Discount	.25% discount	.50% discount
Preferred Checking Monthly Fee	Reduced to $3	No charge
Bonus Certificate Dividend Rate remains through Certificate period	.35% additional	.75% additional
ATM Transactions or Inquiries 6 free per month	75¢ per transaction	No charge
Check or ACH NSF (non sufficient funds) Fee Per Item	Reduced to $25	Reduced to $20
Ready Reserve Transfer Fee	Reduced to $1	No charge
Safe deposit boxes	25% discount	50% discount
Travelers checks, photocopies & money orders	50% discount	No charge
Real Estate Closing Cost Discount	$50	$100
Gift Cards	$2.50 each	No Charge Limit may apply

Highlighted items are effective October 1, 2010

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 - living 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.

Download a Household Link form.

MVP Notes

Your balances and services will be reviewed at the end of each month.
Your MVP level will appear near the beginning of each monthly statement.
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.

Your household may move between levels each month based on your balance and service relationship, and charges could adjust accordingly.

MVP applies to only personal accounts. Business accounts connected to a Business Membership Savings account do not qualify.

CALL-24 account access-Menomonie: 232-7300 Elsewhere: (888) 928-2255 (WCU CALL)
To report a lost/stolen debit or credit card: (800) 449-7728

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