MemberPLUS is AmeriCU Credit Union’s Relationship Pricing program that lets you use the power of your AmeriCU relationship to earn ATM rebates and enjoy enhanced loan and Share Certificate rates. There are no reward points to track and no hassles — just a great financial relationship that can keep earning you extra benefits!

Your individual account’s total value of deposits and loans and the financial services you use qualify you for one of four MemberPlus benefit levels. If you’re not interested in meeting any balance levels, yet you can meet the other account requirements, we offer a non-tiered option called Flex — offering true automated services convenience with benefits!

AmeriCU automatically qualifies Member accounts for the appropriate MemberPlus level. The products contributing to the total account balances are: savings, checking, money market savings, certificates, auto loans, signature loans and mortgage loans including home equity loans and lines of credit and first mortgages. Investments with AmeriCU Capital Management are also included. In addition to the aggregate balance and services criteria, your account must remain in good standing to receive the rewards and benefits applicable to your current level. (“Good standing” means that you do not have any delinquent loans, negative balances or any other negative situations on your account).

Loan Discounts

The loan discount applies to all loans with automatic payment (payroll distribution, auto transfer or ACH origination), except New & Used Marine/RV, Indirect, HELOC, Share & Certificate Secured, and Credit Card loans. The mortgage rate discount applies to Adjustable Rate and Conventional Mortgages (some restrictions apply) with automatic payment (payroll distribution, auto transfer or ACH origination).

  • Flex & Connect Levels will receive a discount of -.10%.
  • ConnectPlus Level will receive a discount of -.25%.
  • Partner Level will receive a discount of -.25% on select Mortgage products and -.50% on all other eligible loan types.

ATM Rebates (AmeriCU & Foreign)

ATM rebates are aggregated among all shares within an account and deposited into your Prime Share (not necessarily into the share that the ATM fee was charged) as follows:

  • Connect Level will receive up to $8 per month in ATM Rebates
  • ConnectPlus Level will receive up to $10
  • Partner Level will receive up to $15
  • Flex Level will receive up to $10
  • Core Level is not entitled to any ATM Rebates

Share Certificate Rate Enhancements

  • Connect & Flex levels will receive a +.05% rate enhancement on share certificates.
  • ConnectPlus level will receive +.10%
  • Partner level will receive +.15%

The dividend rate will be in effect until the maturity date of the certificate unless products or services that are required to obtain an enhanced rate are not maintained. If this occurs, the rate will revert to the standard rate that was in effect at the time of opening. The standard rate will then continue through the certificate maturity even if products and services required for the enhanced rate are started again. If applicable, the certificate will reflect the standard rate on the 1st day of the month following the month when the services were discontinued.

Flex Accounts

If you have Flex, you will pay $1 per transaction for every Member Service Center or Financial Center Member Service Specialist transaction of which you can handle yourself through our many electronic outlets: telephone banking, online banking, ATM and self-service kiosks. Any transaction that cannot be fully processed through these channels may be handled through the Member call center or Financial Center Member Service Specialist at no charge. As a Flex Member, you will be entitled to write 4 free checks per month with an additional $1 fee per item after that.

New Members

Because there are no average balances for the previous quarter for new Members, all new Memberships will automatically qualify for the Core level and will be assigned the applicable level at the next quarterly update. Your monthly statement will display your current MemberPlus Relationship Level.

Balance Calculations The appropriate MemberPlus level is determined per individual account number. (If a Member has multiple prime accounts, each account’s level will be determined separately.) Aggregate balances are determined by the balances of the previous quarter. So, if an account falls below the total balance level for a day, a week, etc. your level will not be immediately affected. However, if the aggregate balance is below the minimum requirement for the current level at the time of the system update, the account will move down to the appropriate level.

  • Average daily balance of all shares
  • Quarter end balances of all loans
  • Quarter end balances of all mortgages
  • Quarter end balances of all credit cards
  • Quarter end balances of all investments