Membership Benefits
Besides offering our traditional savings, lending and automated products, Members Credit Union has partnered with these organizations to bring you valuable savings. The power of our cooperative can offer you individual and family benefits. Simply by clicking the link for each organization you can review detailed information. You may contact the credit union or any of these companies directly using the contact information provided.
*Insurance and Investment products offered through these organizations are not guaranteed by Members Credit Union or the NCUA.
Health Insurance*
- Delta Dental - New
- CU Benefits Express - New
- Medicare - New
- Aflac
Auto-Life-Home Owner Insurance*
Investments*
Merchant Discounts
- Sprint
- Dell Computers - New
- Invest in America
- Shop America
- FTD
- GM Private Offer
- Direct TV
- Allied Van Lines
Delta Dental
New Benefit! Click here to enroll in this program.
Get affordable individual and family coverage from the nation's leading and most experienced dental carrier. Having dental coverage helps you get the care you need to stay healthy. It can also help keep your overall health care costs down. That's why we are pleased to offer you quality dental benefits administered by Delta Dental Plan of Michigan, Inc. After all, good health starts with a healthy smile.
- Diagnostic and preventative care - No waiting periods or deductibles.
- High maximums - $1,600 or $1,000 per member per contract year.
- Low deductible, if any - Depending on the plan you choose, no deductible or a low deductible of $50 per member per contract year.
- Exceptional customer service - Specialized representatives are available to assist you at (800) 971-4108.
- Secure online access 24/7 - Delta Dental's online Consumer Toolkit is a fast, secure way to locate participating dentists, review your claims, access benefit information and more.
For more information or to enroll, visit www.mysmilecoverage.com/memberscu
or call (800) 971-4108 today.
Policies have exclusions and limitations that may limit coverage. For costs and complete coverage details, call or visit us online. Underwritten by Renaissance Life & Health Insurance Company of America,PO Box 738, Greenwood, IN 46142.
CU Benefits Express
New Benefit! Click here to subscribe to this program.
Members Credit Union Members Save 5- 60% on Medical and Lifestyle Products and Services
Members Credit Union wants to help you save on many of the products and services you use on a regular basis. CU Benefits Express, in partnership with Invest in America and Members Credit Union offers subscription discount programs exclusive to credit union members providing significant savings on medical and lifestyle needs.
Medicare Suite Program
New Benefit! Click here to subscribe to this program.
At Members Credit Union we continually look for ways to help meet the financial needs of all of our members, including our Medicare-eligible members. We’re aware that sorting out Medicare options can be confusing. That’s why we’ve partnered with Humana (a company dedicated to serving Medicare needs) and CUNA Mutual Group (a company dedicated to serving credit union member needs) to help you explore your Medicare options and make wise decisions based on your personal needs. Through this team of experts, you have access to:
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No-Cost Medicare consultation with licensed, knowledgeable representatives.
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Toll-free number and online website that connects you to advice and information regarding your Medicare options.
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Medicare plan options that could save you time and money.
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The convenience of enrolling in Medicare health plans online or over the phone.
Click here to learn more about Medicare plan options.
The Humana family has HMO, PPO, PDP, and PFFS plans with a Medicare contract. No obligation to enroll. Medicare has neither reviewed, nor endorses, this information.
These plans are not a deposit and are not federally insured. They are also not sold or guaranteed by your credit union. Your credit union enables this program to be offered and is entitled to compensation from CUNA Mutual Group.
A brief overview of our major insurance policies is featured below. Find out for yourself why more than 40 million people worldwide* are turning to Aflac to help provide greater control and peace of mind and why you should be one of them!
| The Product | The Benefit |
The Necessity |
| Accident Insurance Policy |
Helps provide a financial cushion if an accident occurs |
An injury can be just as debilitating as an extended illness-suspending or stopping the physical capacity to earn a living. |
| Helps with medical expenses related to cancer treatment |
In the United States, men have slightly less than a 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3.1 |
|
Hospital Intensive Care Insurance Policy |
Covers confinement in a hospital intensive care unit (ICU) |
ICU costs can soar well above those of a general room as well as above the benefit levels of major medical health insurance policies. |
Hospital Confinement Indemnity Insurance Policy |
Helps with the noncovered expenses of a hospital stay | In 2005, the average hospital expense, adjusted per inpatient day, was $1,522.42, and 63 percent of all surgeries were outpatient surgeries.2 |
| Provides term or whole life | Growing families are most at risk if one or both of the breadwinners sustain an untimely death. |
|
Dental Insurance Policy |
A portable, no-deductible plan that offers freedom of choice and no coordination of benefits
|
Good oral care-including periodic wellness visits-helps reduce the likelihood of expensive treatment and work disruption later on. |
|
Specified Health Event Insurance Policy
|
Helps with the medical expenses related to covered life-threatening health event | Certain life-threatening events pose special financial risks because of their statistically high levels of incidence and cost. |
Hospital Confinement Sickness Indemnity Insurance Policy |
Provides a physician feature that covers sickness, accident, and wellness visits in addition to the plans basic sickness-only benefits | Illness rather than injury is the leading cause of emergency room visits.3 |
Ask about our long-term care and other plans for seniors and retirees.
Sources for statistical information mentioned above include:
1Cancer Facts & Figures 2008, American Cancer Society.
2Hospital Statistics 2007 Edition, Health Forum, L.L.C., an affiliate of the American Hospital Association.
3Injury Facts, 2008 Edition, National Safety Council.
In case of an accident or illness, it's reassuring to know that you have a poised and compassionate friend in Aflac. Immediate and responsive, our insurance policies help give you control when life seems to take it away. Cash benefits ... personally owned and managed to help you get back on your feet ... that's the real Aflac difference.
Use the money to help reduce the financial impact of rising deductibles and copayments, out-of-network charges, daily living costs, and out-of-pocket expenses, as well as the loss of income.**
* Aflac Annual Report for 2007.
** Applicable to Aflac's Short-Term Disability insurance policy only.
For more information, please contact your Aflac agent:
John Pomeroy - john_pomeroy@us.aflac.com
American Family Life Assurance Company of Columbus (Aflac)
231.642.7604
Independence Powered By LPL Financial
Providing unparalleled investment advice and service
Whether your financial affairs are relatively simple or very complex, a financial professional can help you develop an investment strategy that's right for you and can provide insight on how to plan for many of life's major events.
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Fund your retirement
Even if you have accumulated the financial resources for what could be 15, 20, or 30 years of retirement, you will need a plan to maximize and protect those assets for as long as possible. - Purchase a quality education
College costs continue to rise at an average annual rate of 3% to 7%.1
- Develop a realistic investment plan
A plan should seek to achieve your desired level of return without taking on more risk (or more kinds of risk) than you can tolerate. - Protect current and future assets
Without proper financial and estate planning, all your other planning could be impacted by circumstances beyond your control.
What can a Financial Professional Do For You?
- Offer Prudent and Timely Advice
Determining your appropriate asset allocation*, identifying the appropriate investments, tracking their performance and keeping up-to-date on investment-related news and developments are difficult and time-consuming tasks. A qualified financial professional can build long-term strategies that balance your financial objectives and constraints, your time horizon and your tolerance for risk, then measure them against your short term and long term goals.
*Asset allocation does not insure a profit or protect against loss. - Simplify the Decisions
A financial professional's job is to pare down the choices of the many investment types and thousands of investment offerings to those that fit your objectives and asset allocation strategy. By identifying appropriate options - including ones that are difficult to discover on your own - and focusing on your objectives, a financial professional can save you considerable time and effort. - Provide Ongoing Review
Once an investment strategy is implemented, a financial professional will conduct comprehensive periodic reviews of your investment objectives, your portfolio's performance and your overall progress toward meeting your financial goals.
Why Choose an Independent LPL Financial Adviser?
LPL Financial is one of the United States largest organizations of independent financial representatives. Formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (established in 1973), LPL Financial today is the leading independent brokerage firm in the nation 2, encompassing more than 12,000 investment professionals in 50 states. LPL Financial advisers specialize in providing customized financial solutions, backed by the following from LPL Financial:
- Financial Strength
LPL Financial advisers invest or manage $233 billion every year in brokerage products and advisory programs. The LPL Financial capital ratio is the highest among all independent brokerage firms.2 - Dedication to Unbiased Financial Advice
The independent financial representatives affiliated with LPL Financial have access to comprehensive financial planning tools, as well as unbiased, independent research on individual stocks, bonds, mutual funds, annuities and investment managers across every asset class. This enables them to concentrate their energy on understanding your individual financial goals and offering impartial solutions to the challenges of wealth accumulation and management. - Account Protection
LPL Financial holds membership in SIPC, which protects the securities in each client's account to $500,000 up to $100,000 which can be cash.3 Please ask your investment adviser for specific information in the significant additional coverage that is provided.
1 The College Board's annual survey - "Trends in College Planning, 2004"
2 Financial Planning Magazine, June 1996-2009, based on total revenues
3 The account protection applies when a SIPC member fails financially and is unable to meet obligations to securities clients, but does not protect against losses from the rise and fall in the market values of investments. For more information, visit www.sipc.org
Investments, taxes, insurance, retirement, estate planning...the list of financial concerns and considerations facing you today is seemingly endless. And there are no easy answers. To take advantage of all available options, today's investor needs two things: an understanding of which investment products are most appropriate for each situation and a relationship with trusted investment professionals who have a clear understanding of the investor's needs.
We are committed to putting quality service and objective advice first. We offer clients financial services in a variety of areas:
Retirement Planning - to design an investment strategy to help you towards your retirement goals
Investment Portfolio Analysis - to keep you informed of how your investments are performing, and to make adjustments as needed
Estate Planning - for preservation of wealth from generation to generation
Managed Asset Plans - for professional fee-based portfolio management through LPL Financial
Our office was established to help investors pursue all of their financial goals through a wide range of financial services. We do this by offering clients an unbiased approach to planning and investing. The independence of LPL Financial is demonstrated by the fact that our broker/dealer, LPL Financial, does not develop its own investment products, enabling us to offer truly objective advice.
Mutual Funds
Variable and Fixed Annuities
Individual Stocks
Strategic Asset Management (SAM) - providing you with fee-based asset management through LPL Financial, a Registered Investment Adviser
Nominal transaction costs will occur.
Financial Advisers Randy Brother (L) and Rick White (R)
Contact Information:
Randy Brothers Rick White
Financial Adviser Financial Adviser
P: 231.922.8993 P: 231.922.8993
randy.brothers@lpl.com richard.white@lpl.com
Investing in securities is subject to risk including loss of principal.
Securities, advisory services and insurance products offered through LPL Financial and its affiliates, Member FINRA/SIPC
NOT CREDIT UNION GUARANTEED. May Lose Value. Not NCUA Insured. Members Credit Union is NOT a registered broker/dealer and is NOT affiliated with LPL Financial. The LPL Financial Registered Representatives associated with this website may only discuss and/or transact securities business with residents of the following states: Michigan.
New Benefit! Click here to subscribe to this program.
New Benefit! Click here to subscribe to this program.
We have partnered with AAA of Michigan to provide you a special group rate! Click here to subscribe to this program.
Member Benefits Include:
- Peace of Mind - AAA Roadside Assistance, Car Travel Interruption Protection, and more.
- Valuable Savings - Show Your Card Merchant Discount Program
- Insurance - Auto Insurance and Home Owners Insurance
- Travel - Full Service Leisure Travel Agency
We have partnered with Sprint to save you money on your wireless service! Click here to subscribe to this program.
As a credit union members there's never been a better time to save money on your wireless service. Do yourself a favor and start savings today! Sprint has phones, PDA's, push to talk, and data service plans, music downloads, TV and more!
- 10% off most regularly prices sprint individual service plans for new and existing plans
- Waived activation fee on new activations
- Waived upgrade fee
- National rates with no roaming or long distance charges
New Benefit !
Members Save Up to 30% on All Dell Products
Dell® knows there's a techo gadget-loving geek in everyone. That’s why they've teamed with Members Credit Union and Invest in America to offer you exclusive discounts on all their products.
Only through Invest in America you can:
- Save up to 30% on select computer packages
- Up to 10% on tablets
- At least 2% on everything else
Discover the happiness Dell, Invest in America and fantastic discounts can bring at LoveMyCreditUnion.org.
Enjoy the benefits of discounted programs and services! Click here to subscribe to this program.
As a credit union member you can save money on great programs and services. Not a member? Join Members Credit Union today and begin enjoying our member benefit programs. See why being a credit union member is a terrific idea!
Talk About Easy Money... Click here to subscribe to this program.
Since you probably shop online anyway, why not shop where you can save and get cash back just for being loyal to your favorite brands. That's what Shop America is all about.
Credit Union members nationwide have access to more than 1,200 online retailers, including some of the largest and most popular, at significant discounts. And every time you earn $10 or more, you'll get a check mailed directly to you!
Shop America. Shop anytime. Easy online access. Hundreds of retailers to choose from. Not to mention the great savings and easy money!
Members Credit Union Members Save $15 Per Item with FTD. Click here to subscribe to this program.
Have a special occasion coming up or just want to let someone know you’re thinking of them? As a Members Credit Union member, you can save $15 per item with FTD through "Invest in America," the credit union member rewards program.
FTD not only has gorgeous flowers but spa sets, chocolates, wine baskets and more to choose from. And if you do order flowers, FTD has their "Good as Gold" 7-Day Satisfaction Guarantee that your flower arrangements will last at least 7 days - guaranteed. Plus, they have same day delivery available at over 16,000 domestic retail florists with 45,000 international affiliates.
So, whether your purchase is $25 or $100, you’ll get $15 off of each item. It's that simple. And getting the discount is just as simple. Just visit click on the Shop Now button to get started. Save big while making someone’s day with FTD through Invest in America.
General Motors is offering all current and eligible credit union members preferred pricing* when they purchase a new GM vehicle. This is in addition to most current incentives and special offers! Finance with your credit union and save even more with low auto loan rates! Click here to subscribe to this program.
How GM's Credit Union Member Discount Works
- See how much you can save - click on the image above to build and price your own GM vehicle.
- Once you've built your vehicle, or if you already know what you want, click on the button above to get your GM Authorization Number.
- Once you receive your GM Authorization Number, head to your credit union for pre-approval and then head to your local dealer. It's that easy!
Entertainment benefits for you! Click here to subscribe to this program.
As a credit union member, you will receive a $60 savings off your first year's monthly bills ($5 off each month), plus, a $40 rebate check mailed directly to you courtesy of Invest in America. That’s a total savings of $100 during your first year with DIRECTV!
Act now, and when you purchase the Choice XTRA package, you’ll also get:
- FREE HD Access
- Local Channels
- FREE Cinemax, HBO, SHOWTIME & Starz for 3 mos.
- FREE HD DVR & HD Receiver upgrades – ($298 value) Ask How!
- NO Equipment to Buy or Startup Costs
- SonicTap Music Channels at No Extra Charge
- FREE Professional Installation
- 99.9% Worry-Free Signal Reliability
- #1 in Customer Satisfaction
Get your Allied Van Lines credit union member discount today! Click here to subscribe to this program.
Buying and moving into a new home can be expensive, time-consuming and stressful. MyHomeBenefits, exclusively for credit union members through the Invest in America program, is your one-stop resource for everything you need to move your home - faster, easier and more affordable than ever before.
With an over 60% discount on out-of-state moves, Allied offers their most competitive rates based on your unique situation. Take advantage of the discounts usually reserved for Fortune 1000 companies with Allied Van Lines!
