TruStage Insurance
TruStage insurance products are only available to credit union members. Your membership means competitive rates, quality products, and helpful guidance without sales pressure. Regardless of your budget, TruStage can help make sure the protection you need makes sense. It’s all part of smart planning and caring about the aspirations and achievements of those who matter most. TruStage offers:
AD&D Insurance
$2,000 of Accidental Death and Dismemberment Insurance is now available to our members through TruStage. This no-cost coverage is fully paid for by Michigan United Credit Union. It is underwritten by CMFG Life Insurance Company. Questions? Call 1-866-331-6025.
Get your maximum refund guaranteed with TurboTax! What’s even better, Michigan United Credit Union members can save up to $15. Start HERE today!
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 1st, 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
| BASIC | SELECT | ADVANTAGE | PREMIER | |
| Less than 300 | 300-499 Points | 500-799 Points | 800+ Points | |
| Free Check Cashing | √ | √ | √ | |
| Free Debit Card | √ | √ | √ | √ |
| Free Notary Service | √ | √ | √ | √ |
| Free ATM Transactions at MUCU ATM Machines | √ | √ | √ | √ |
| 5 Free Withdrawals from non-MUCU owned ATMs | √ | √ | √ | √ |
| Free CU*Talk Telephone Teller | √ | √ | √ | √ |
| Free ItsMe247 Online Banking | √ | √ | √ | √ |
| Free Mobile Web Banking | √ | √ | √ | √ |
| Free eStatements | √ | √ | √ | √ |
| Free CU Shared Branch Access | √ | √ | √ | √ |
| Free CU*Easy Pay Online Bill Payment | √ | √ | √ | √ |
| Waive Monthly Savings Account Service Fee (waived with an active checking account)* | √ | √ | √ | |
| Free Account Histories | √ | √ | √ | |
| Waive Monthly Checking Account Service Fee | √ | √ | ||
| Reduced Domestic Wire Fee | √ | √ | ||
| Free Money Orders** | √ | √ | ||
| Free Cashier Checks** | √ | √ | ||
| Free Phone Transfers | √ | √ | ||
| Free Statement Copies** | √ | √ | ||
| Free Overdraft Transfers from Savings | √ | |||
| Free Plastic Card Replacement | √ | |||
| Free Fax Service | √ | |||
| Free Travelers Card** | √ | |||
| Free Stop Payments** | √ | |||
| Reduced Safe Deposit Box Rental Free | √ |
*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
| Product | Points |
| Primary Financial Institution | |
| PFI Account (checking) | 75 |
| Length of Membership (every year of membership after 5 years) | 5 |
| Member Savings | |
| Additional general savings products | 25 |
| Non IRA CDs | 25 |
| IRA share & CDs | 25 |
| Super Saver | 25 |
| Checking with a negative balance | 0 |
| Savings with a negative balance | -300 |
| Aggregate Balance up to $999 | 10 |
| Aggregate Balance $1,000 to $4,999 | 25 |
| Aggregate Balance $5,000 to $14,999 | 50 |
| Aggregate Balance $15,000 to $74,999 | 100 |
| Aggregate Balance $75,000 and above | 150 |
| Member Loans | |
| Commercial Real Estate Loans | 50 |
| Home Equity Loans | 50 |
| All other loans | 25 |
| Loans 1 or more months delinquent | -500 |
| Aggregate Balance up to $999 | 50 |
| Aggregate Balance $1,000 to $4,999 | 75 |
| Aggregate Balance $5,000 to $14,999 | 100 |
| Aggregate Balance $15,000 to $29,999 | 150 |
| Aggregate Balance up to $999 | 10 |
| Aggregate Balance $1,000 to $4,999 | 25 |
| Aggregate Balance $30,000 and above | 200 |
| Mortgage Loans | 200 |
| Self Service | |
| ATM – Active | 50 |
| Debit Card – Active | 50 |
| Credit Card | 50 |
| CU*Talk | 25 |
| Online Banking | 50 |
| E-Statements – enrolled | 100 |
| Bill Payment – enrolled | 50 |
| Payroll with Deposits of at least $300/month | 25 |
| ACH with Deposits of at least $300/month | 25 |
| Transfers via AFT – active | 25 |
| Loan Payments via AFT – active | 50 |
If you would like help managing your household expenses, improving your credit, reducing your debt and creating a realistic spending plan, you can make an appointment with our Certified Financial Counselor, Pam Klein.
This is a confidential, complimentary service available to our members by appointment only. Call Pam at 248-814-4000 x1651 to schedule your appointment.
GreenPath Financial Wellness
Article by GreenPath: 5 Tips for Managing Your Finances through COVID & Beyond
GreenPath’s Spending Plan Worksheet
Tips to Prepare for a Financial Emergency Setback
GreenPath’s Debit Management Plan Calculator
Thinking of Opening a Checking Account, but not sure where to start? Learn More Here
Your Path to a Bright Financial Future Begins Here…
Did you know as a Michigan United Credit Union member, you have free access to GreenPath’s financial experts to guide you through life’s financial challenges?
GreenPath Financial Wellness is a local, non-profit company that equips people with knowledge and tools to lead financially healthy lives. They can partner with you to ease financial stress, manage debt, save for the future, make informed financial decisions, and achieve your financial goals.
GreenPath Financial Wellness offers personalized assistance with:
- Budgeting and money management
- Debt repayment
- Understanding your credit report and how to improve your score
- Avoiding bankruptcy, foreclosure and repossession
Call 877-337-3399 to speak with a financial expert or learn more at www.greenpath.com.