Membership Plan

Choose the right plan for you:

Fulfill ONE (or more) of the Loyalty Membership Plan criteria the calendar month after you open your Checking account.

  • Loyalty Membership Plan: criteria include:
    • Having a minimum individual or household account balance.*
    • Making five or more purchases in a month with a CEFCU Debit Mastercard® linked to this account.
    • Paying a bill using CEFCU Bill Pay.
    • Having direct deposits totaling $200 or more in a month.
  • E-Choice Plan: With the E-Choice Plan, you enjoy a free account just for handling routine transactions using services like ATMs, online banking, or mobile banking.1
  • Options Plan: Select the Options Plan if the Loyalty or E-Choice Plans aren’t right for you. Just pay a monthly fee of only $5 for full membership benefits and unlimited personal service.

Also, if you are under 25 years of age, your account is free — automatically! Contact CEFCU today for more information on the plan that fits the way you live.

*Individual balance of $5,000 or household balance of $10,000.

1.   Routine transactions include check cashing, balance inquiries, deposits, cash withdrawals, and transferring funds between CEFCU accounts. Non-routine transactions involve those that might require personal assistance, such as applying for a loan, loan payments, purchasing Prepaid Cards, counting coins, discussing financial needs, or other transactions that cannot be completed through automated means.