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In 2018, Midcoast Federal Credit Union successfully launched 321 Local Rewards, a credit card loyalty program whereby Perks VISA cardholders receive triple rewards points for making purchases from locally owned participating businesses. The program received strong initial interest from the business community, with over 144 businesses with 181 locations joining in its first year. “We were thrilled with the level of community support, but we knew that in order for the program to continue to grow, we would need a different format for our members to easily search and learn about their regional business options.” shares Lori Saucier, SVP Marketing/IT, “That’s how was conceived!”

The site also has a bit of its own colorful vernacular with a blog section, giving an insider’s perspective on life in Mid Coast Maine. From the best swimming holes to lobster rolls to charitable organizations doing great things in their communities, we celebrate the region that we call home.

321 Local Rewards

Business Benefits

Participation in the 321 Local Rewards Program will demonstrate that your business values a strong, vibrant local economy. 321 Local Rewards participants have access to a robust, self-managed directory page that allow you to post photos, special events and more! What is most important is that you will be included in the businesses from which our members earn triple reward points, when shopping with their PERKS Visa®. Interested in applying to become a 321 Local Rewards merchant? View all the benefits here!

Member Benefits

321 Local Rewards is an exclusive program for Midcoast FCU’s PERKS Visa® cardholders that rewards you for doing your part in supporting our local economy. When you shop local, you earn triple reward points, which then can also be redeemed from participating businesses, keeping the entire program within the Mid Coast Maine community. In addition, PERKS Visa® cardholders enjoy enhanced rewards for certain transaction categories and other purchase activity. View all the benefits here!


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