The Member Advantage Program

Our checking accounts have a distinct advantage for members: The more you put in, the more you get out. We call it the Member Advantage Program. And it's based on your combined primary accounts. For example, your loan and deposit balances are added together under a single account number. So the more you invest, the more low-cost or potentially no-cost advantages you get.

Choose your Member Advantage Program level.

Choose the level that meets your goals. Full disclosures for each product and service are available at Policies & Disclosures.

Ultra Advantage Level	Plus Advantage Level
The Ultra Advantage Level is available for those of you who want the most "bang for your buck"! You choose to rely on MCU to help you manage all of your deposits and loans — and therefore, you get all the good stuff. Ultra Advantage Level is available with a primary account relationship of $25,000 or more — calculated each month end, by adding the monthly average daily balance for deposits, plus the end of month balance for loans not delinquent. If the account relationship balance drops below $25,000 you still receive all these Advantages for only $12.00 per month.	The Plus Advantage Level is the first level where you get some of the extra good stuff with a smaller account relationship. The Plus Advantage Level requires a primary account relationship of $2,500 or more — calculated each month end, by adding the monthly average daily balance for deposits, plus the end of month balance for loans not delinquent. If the account relationship balance drops below $2,500, you still receive all the advantages below for only $7.00 per month.
Deposit Advantages
Savings - FREE with only $0.01 minimum balance. Certificates - competitive rates IRA - second account option Other Deposit Products - competitive rates	Savings - FREE with only $0.01 minimum balance. Certificates - competitive rates IRA - second account option Other Deposit Programs - competitive rates
Checking Advantages With approved credit. Some restrictions may apply.
Ultra Checking— reverse tier interest-bearing checking account — The first $0.01 - $1,000 (based on average daily balance) will earn a premium interest rate. Balances above $1,000 earn the current interest rate. Rates are subject to change at any time. FREE, no minimum balance, no monthly maintenance fee, no per check charge. Second Ultra Checking account (restrictions apply.) Check Orders - FREE - two boxes every twelve months on first Ultra Checking account Overdraft Protection - for both Ultra Checking accounts - transfers from Line of Credit, Savings Courtesy Pay - per checking account up to $600 VISA Debit Card - FREE, no transaction fees and $2,000 daily limit for each Ultra Checking account. ATM Card - FREE	Checking Plus— The average daily balance above $1,000 will earn the current interest rate. FREE, no minimum balance, no monthly maintenance fee, no per check charge. Second Checking Plus account (restrictions apply) Check Orders - FREE - one box every 12 months only on first Checking Plus checking account; selection price for second Checking Plus account Overdraft Protection - for both Checking Plus accounts - transfers from Line of Credit, Savings Courtesy Pay - per checking account up to $400 VISA Debit Card - FREE, no transaction fees and daily limit is $1,500 for each Checking Plus account ATM Card - FREE (If you do not have a Debit card)
Loan Advantages With approved credit. Some restrictions may apply.
Installment Loans - current low rates and Reward Program Mortgage Loans - current low rates Home Equity Line of Credit - no closing costs Other Loan Programs - current low rates APR Discount (0.25%) - 2nd secured loan (excludes CD, real estate and share secured loans)	Installment Loans - current low rates and Reward Program Mortgage Loans - current low rates Home Equity Line of Credit - no closing costs Other Loan Programs - current low rates APR Discount (0.25%) - 2nd secured loan (excludes CD, real estate and share secured loans)
Automated Advantages
BillPayer - FREE Call24 - FREE CO-OP ATMs - FREE/no surcharge e-Statements - FREE MCU ATMs - FREE mcu@home (Internet banking) - FREE MCU Mobile Banking - FREE	BillPayer - FREE with e-Statement; $2.95/month without e-Statement, if used Call24 - FREE CO-OP ATMs - FREE/no surcharge MCU ATMs - FREE mcu@home (Internet banking) - FREE MCU Mobile Banking - FREE with e-Statement, otherwise $1.00/month if used without e-Statement
Other Features
Additional ATM/Debit card - FREE FAX, Email or Phone Transfers (excludes Call24) - FREE Money Orders - FREE Non-Sufficient Funds(NSF), Return Deposit and Stop Payment fees - $18.00 each Official Checks - FREE Paper Statement (excludes end-of-the-year mailing) - $2.00/month Replacement Card - Debit or ATM - $2.00 each Shared Branch Transaction - FREE Teller Cash Back - FREE Temporary Checks - FREE	Additional ATM/Debit Card - $2.00 FAX, Email or Phone Transfers (excludes Call24) - $1.00 each Money Orders - $1.00 each Non-Sufficient Funds(NSF), Return Deposit and Stop Payment fees - $20.00 each Official Checks - $1.00 each Paper Statement (excludes end-of-the-year mailing) - $2.00/month Replacement Card - Debit or ATM - $2.00 each Shared Branch Transaction - FREE Teller Cash Back - FREE Temporary Checks - 4 for $1.00
e-Connect Advantage Level	Smart Start Advantage Level
e-Connect Advantage Level is for people who are on the go. It has everything you need to manage your money electronically 24/7. The e-Connect Advantage Level only requires a primary account relationship of $0.01. You receive all the advantages below with no monthly fee.	The Smart Start Advantage Level is an account which gets you off to the right start for free and only requires a primary account relationship of $0.01. You receive all the advantages below with no monthly fee.
Deposit Advantages
Savings - FREE with only $0.01 minimum balance. Certificates - competitive rates Other Deposit Products - competitive rates	Savings - FREE with only $0.01 minimum balance.
Checking Advantages With approved credit. Some restrictions may apply.
e-Connect Checking— All transactions done electronically, no minimum balance requirement, no monthly maintenance fee, $1.00 per paper check fee VISA Debit Card - FREE, no transaction fees and $1,000 daily limit. ATM Card - FREE, if you do not have a Debit card Check Orders - NA	Smart Start Plus— FREE, no minimum balance, no monthly maintenance fee, no per check charge. ATM Card - FREE Check Orders - selection price per box
Loan Advantages With approved credit. Some restrictions may apply.
Installment Loans - (secured by a title) current low rates	Installment Loans - (secured by a title) current low rates
Automated Advantages
BillPayer - FREE Call24 - FREE CO-OP ATMs - FREE, no surcharge e-Statements - FREE MCU ATMs - FREE mcu@home (Internet Banking) - FREE MCU Mobile Banking - FREE	BillPayer - $2.95/month if used Call24 - FREE CO-OP ATMs - FREE, no surcharge e-Statements - FREE MCU ATMs - FREE mcu@home (Internet Banking) - FREE MCU Mobile Banking - $1.00/month if used
Other Features
Additional ATM/Debit card - $2.00 FAX, Email or Phone Transfers (excludes Call24) - $2.00 each Money Orders - $1.00 each Non-Sufficient Funds(NSF), Return Deposit and Stop Payment fees - $22.00 each Official Checks - $1.00 each Paper Statement (excludes end-of-the-year mailing) - NA Replacement Card - Debit or ATM - $2.00 each Shared Branch Transaction - $2.00 each transaction Teller Transaction - $1.00 each Temporary Checks - NA	FAX, Email or Phone Transfers (excludes Call24) - $2.00 each Money Orders - $1.00 each Non-Sufficient Funds(NSF), Return Deposit and Stop Payment fees - $22.00 each Official Checks - $1.00 each Paper Statement (excludes end-of-the-year mailing) - $2.00/month Replacement Card - Debit or ATM - $2.00 each Shared Branch Transaction - $2.00 each transaction Teller Cash Back - FREE Temporary Checks - 4 for $2.00

Revised 05/12