Greater Participation = Greater Rewards
As a credit union, we are founded on the principles of cooperation and common good, which means we encourage participation. We demonstrate our commitment to cooperation through our vision to bring people together and through our Annual Elections process, which enables member-owners to elect new volunteer members to the Board of Directors. The more you participate as a VSECU member, the more rewards you bring the membership. Similarly, the more you participate through deposits and investments at VSECU, the more member benefits you will enjoy through our Member Rewards program.
As a Member of VSECU you have access to no-cost AD&D Insurance, Credit Insurance, and exclusive auto insurance programs. See all our insurance options here.
Shared branching allows you to conduct basic VSECU teller transactions at credit unions within the CO-OP Shared Branch Network nationwide.
REDUCED ATM FEES
You pay no fees to use VSECU ATM’s and we won’t charge you to use other institutions’ ATMs (other institutions’ fees may still apply).
Rewards levels are determined at the end of each month for the next month keeping your rewards current and letting you maximize your benefits. Your total loan and deposit balance as a joint owner, co-owner, and co-signer on other accounts are included in determining your overall cumulative balance. This is your credit card balance as of last statement added to your average monthly balance OR your end-of month balances for deposits and other loan accounts.
The more you rely on us for your financial needs, the more you’ll receive in benefits and savings. With Member Rewards you pay less in fees and receive many services for FREE.
To determine your credit union membership and reward level: add the combined total deposit, loan and credit card balances you have at VSECU.
(up to $5,000)
|Advantage Plus Membership
|Automated Telephone Access||Free||Free||Free|
|Consultation with MEMBERS Financial Services||Free||Free||Free|
|Consultation with a Member Service Consultant||Free||Free||Free|
|Online Check Copies||Free||Free||Free|
|Signature Guarantee Service||Free||Free||Free|
|Standard Card Replacement||Fee Applies||Free||Free|
|Cashier’s Checks||Fee Applies||66% Discount||Free|
|Money Orders||Fee Applies||66% Discount||Free|
|Overdraft Protection Transfer||Fee Applies||33% Discount||Free|
|ATM Surcharge Rebates||N/A||Up to $4 per Month1||Up to $8 per Month1|
1 You may be eligible to receive rebates for Surcharge Fees imposed by any other ATM owner within the U.S. Rebates are credited by the end of each month and deposited into your Share Savings account. These credits will be reflected on your statement.