Member Rewards

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.

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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.


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.

Reward Standard Membership
(up to $5,000)
Advantage Membership
Advantage Plus Membership
(over $25,000)
AD&D Insurance
($5,000 coverage)
Free Free Free
Automated Telephone Access Free Free Free
Consultation with MEMBERS Financial Services Free Free Free
Consultation with a Member Service Consultant Free Free Free
Checking Account Free Free Free
Debit Card Free Free Free
eStatements Free Free Free
Mobile Banking Free Free Free
Notary Services Free Free Free
Online Banking Free Free Free
Online Check Copies Free Free Free
Signature Guarantee Service Free Free Free
Bill Pay 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.


Liberty Mutual Member Discount
We have partnered with Liberty Mutual Insurance to offer discounted insurance to our members. Learn More

VHeat Fuel Buying Program
Members also benefit from our fuel buyers co-op to reduce their home heating costs. Learn More

VGreen Energy Savings Loans
We offer discounted loan rates for alternative solar energy home solutions to our members. Learn More

CUDL Auto Dealership Financing
We offer convenient auto financing at many dealerships across the state through CUDL. Learn More

Post Warranty Auto Protection
Similar to dealership, our GAP & MBP provide great coverage at an often more affordable cost. Learn more about GAP and MBP.

GreenPath Financial Wellness
With GreenPath you have financial experts & resources to help you on your way to financial well-being. Learn more