Member Merits Program
Let’s face it – you have many choices when it comes to financial institutions. We understand that you have options and appreciate that you have selected Louisiana FCU.
To reward our members, we’ve developed the Member Merits Program. Every Louisiana FCU member is automatically a part of this program and everyone benefits. When you use Louisiana FCU services through loans, checking, and savings products, your Credit Union grows. A growing Credit Union means better services for you. Member Merits rewards members – the more you use Louisiana FCU, the more you are rewarded!
Benefits Chart
= low fee 
= reduced fee 
= no fee/none
Member Merit Categories
Your Merits category will be calculated monthly using your current combined deposit and loan balances on the last day of the month of all your Louisiana FCU accounts. Your Member Merits category will appear on your monthly statement.
Member Merits Associate
Everyone shares these Louisiana FCU benefits:
- Free Online Banking
- Free Bill Pay
- Free Call24 telephone teller access
- Free ATM transactions at Louisiana FCU machines
- No Visa annual fee
- No Visa cash advance fee
Member Merits Essential
Members with total deposit & loan balances under $10,000:
- Low NSF & Stop Pay fees
- Short check holds
- Low ATM use fees
- Low fees on Travelers Checks, money orders, and gift cards
- Free Online Banking
- Free Bill Pay
- Free Call24 telephone teller access
- Free ATM transactions at Louisiana FCU machines
- No Visa annual fee
- No Visa cash advance fee
Member Merits Classic
Members with total deposit & loan balances of $10,000-$50,000
- Lower NSF & Stop Pay fees
- Shorter check holds
- Lower ATM use fees
- Lower fees on Travelers Checks, money orders, and gift cards
- Free Online Banking
- Free Bill Pay
- Free Call24 telephone teller access
- Free ATM transactions at Louisiana FCU machines
- No Visa annual fee
- No Visa cash advance fee
Member Merits Select
Members with total deposit balances $99,999 - $50,000 OR loan balances $50,000+ OR membership at least 10 years
- .10% Bonus on Certificate of Deposit rates
- Lowest Overdraft fees
- Lowest NSF & Stop Pay fees
- No check holds
- Lowest ATM use fees
- Lowest fees on Travelers Checks, money orders, and gift cards
- Free Online Banking
- Free Bill Pay
- Free Call24 telephone teller access
- Free ATM transactions at Louisiana FCU machines
- No Visa annual fee
- No Visa cash advance fee
Member Merits Elite
Members with deposit balances of $100,000 or greater
- .25% Bonus on Certificate of Deposit rates
- No NSF & Stop Pay fees
- No check holds
- No ATM use fees
- No fees on Travelers Checks, money orders, and gift cards
- Free personal checks
- Free Online Banking
- Free Bill Pay
- Free Call24 telephone teller access
- Free ATM transactions at Louisiana FCU machines
- No Visa annual fee
- No Visa cash advance fee
