We value you, our other members and the services you use with us. Therefore, we have introduced our improved VIP (Value In Participation) Rewards program. Our VIP Reward’s program reviews the amount of products and services that members use with us and assigns points for that usage. The more services you use at Frankenmuth Credit Union the higher your level and the more of a reward to you.

Plus, now all members can earn VIP Lifetime Points. Lifetime points are your VIP Reward’s points that accumulate from month to month. These points can be redeemed over time for merchandise, better rates, fee waivers and other service offerings.

Silver 100-199 Points

Silver—100-199 points:

Unlimited Free ATM Transactions at FCU ATMs

Eligible to Enroll in Benefits Plus for $4.95 a month

Free Online Bill Payment

No Minimum Balance in Classic Checking

Gold 200-299 Points

Gold—200-299 points:

Unlimited Free ATM Transactions at FCU ATMs

Eligible to Enroll in Benefits Plus for $3.95 a month

Free Online Bill Payment

No Minimum Balance in Classic Checking

.25% monthly Consumer Installment Loan or CD Benefit

Platinum 300-399 Points

PLATINUM—300-399 points:

Unlimited Free ATM Transactions at FCU ATMs

Eligible to Enroll in Benefits Plus for Free

Free Online Bill Payment

No Minimum Balance in Classic Checking

.25% monthly Consumer Installment Loan or CD Benefit

Unlimited PC or Phone Banking

$5 off Annual Safe Deposit/Lock Box Rental Fee

Lifetime VIP Points

Description of Reward Points Needed
Waive a $1 per Hundred Travelers Check Fee 250
Incoming & Outgoing Fax – 1 page 250
Waive 1 Sheet of Temporary Checks Fee 250
Waive 1 A2A Fee 250
Refund 1 ID Protect Fee 500
Waive 1 Statement Copy Fee 500
Waive 1 Copy of Personal Check Fee 925
Waive 1 MAP card load fee 700
Coming Soon- Zipper Canvas Insulated Bag 925
Refund 1 Months Bill Pay Fee 1,200
Refund 1 Classic Checking Minimum Balance Fee 1,200
Refund 1 Consolidated Balance Fee 1,200
Waive 1 ATM, Debit or Credit Card Replacement Fee 1,200
1 Gift Card or Reloadable Card Fee Waived (excludes personalized cards) 1,200
Refund 1 Returned Check Fee 1,900
1 Travelers Check Card Fee Waived 2,300
Waive 1 Personalized Reloadable Card Fee 3,500
1 Free Box of Person Size School or FCU Style Checks 4,200
Refund 1 Personal Loan Late Fee 6,900
Refund 1 Credit Card Overlimit Fee 6,900
Refund 1 Credit Card Delinquent Fee 6,900
Refund 1 Checking Overdraft Fee 8,000
Refund 1 Bounce Protection Fee 8,000
Refund 1 NSF Fee 8,000
Waive 1 Stop Payment Fee 8,000
Waive 1 Skip A Pay Fee 8,000
Waive 1 Regular Consumer Loan Application Fee 11,400
Waive 1 Mortgage Loan Extension Fee 11,400
Take $100 off a Fixed Home Equity Application Fee 23,000
Take $100 off Fixed Mortgage Closing Costs 23,000
Waive 1 Debit Consolidation Loan Fee 46,000
Waive 1 “Lenders Option” Fee 138,000
Waive 1 Driving Sense Acquisition Fee 181,800