Gividends Membership Rewards Program

Michigan United Credit Union’s Gividends rewards program is designed to offer you rewards based on your credit union relationship. Gividends is an exclusive Michigan United Credit program that provides benefits such as free or discounted services based on your level of participation in the credit union. Points are scored on the usage of Michigan United Credit Union services.

Gividends Rewards Program rewards account activity, as well as deposit and loan balances. Using products such as checking accounts, debit cards, credit cards, loans, mortgages and retirement accounts contribute income and strength to the Michigan United Credit Union cooperative. When you use these products to manage your household, you are investing in the credit union, which allows Michigan United Credit Union to provide you with more benefits.

While we strive to run the credit union efficiently so that we can offer good value to all members, the Gividends Rewards Program is designed to provide the greatest value to those who make the greatest investment in the Michigan United Credit Union cooperative by using Michigan United Credit Union’s products and services. It is easy to achieve a level in the program where you begin to earn rewards.

At the beginning of every month we take a look at your activity and participation with Michigan United Credit Union over the previous month. We look at things like what accounts you have, your overall account balances and status, services you’ve used over the month like direct deposit of your paycheck or online banking, and enrollment for special services like e-Statements or online bill pay. Each product or service is awarded a certain number of points towards your overall score. (Things like past-due loan payments or overdrawn saving accounts will subtract from that score.) Once your score is calculated, you become eligible for all of the benefits for your particular participation group throughout that entire month. For example, when your score is calculated on May 1^st, it is based on your April activity, but you get the benefits throughout the entire month of May.

Remember, the more you use our products and services, the better the rewards!

Four Levels of Rewards

*Monthly savings account service fee is also waived for any member who is a minor, or has any of the following with Michigan United Credit Union: a loan with a balance, a credit card, a mortgage, a checking account, or an aggregate deposit balance of $1,500 or more.

**Limit of 5 free per month

Michigan United Credit Union Gividends Point Scale