member-merits

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 = low fee  Reduced Fee = reduced fee  No Fee = no fee/none

BENEFIT ELITE SELECT CLASSIC ESSENTIAL ASSOCIATE
Checking Monthly Fee No Fee No Fee No Fee No Fee No Fee
Overdraft fee No Fee Reduced Fee Low Fee Low Fee Low Fee
NSF fee & Stop Pay fee No Fee Reduced Fee Reduced Fee Low Fee Low Fee
Check Holds (local/non local) No Fee No Fee 1/2 1/2 2/2
ATM Use fee No Fee Reduced Fee Reduced Fee Reduced Fee Low Fee
Money Order fee No Fee Reduced Fee Reduced Fee Low Fee Low Fee
Gift Card fee No Fee Reduced Fee Reduced Fee Low Fee Low Fee
CD Bonus Rates +.25% .10% -- -- --
Box of Checks Order fee No Fee Low Fee Low Fee Low Fee Low Fee
Online Banking No Fee No Fee No Fee No Fee No Fee
Bill Pay No Fee No Fee No Fee No Fee No Fee
CU 24 No Fee No Fee No Fee No Fee No Fee
Visa Annual fee** No Fee No Fee No Fee No Fee No Fee
Visa Cash Advance fee** No Fee No Fee No Fee No Fee No Fee

*Members currently enrolled in the Choice Program continue to benefit from the Choice Checking benefits and are not included in Member Merits.

**Requires loan approval

 

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 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 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 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 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

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Deposit and loan products offered by: Louisiana Federal Credit Union, Member NCUA, An Equal Housing Lender

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency

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Louisiana FCU
P.O. Box 1956
LaPlace, LA 70069
Phone: 985.652.4990
Toll-free: 888.652.4990
Fax: 985.651.8001
Routing # 265476411