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321 Local Rewards Member Benefits

What is PERKS Visa® 321 Local Rewards?

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.

How it Works:

Triple Points for Buying Local! Midcoast FCU understands the value of a diverse and thriving local economy, which is why we encourage our members to buy local with their PERKS Visa®. Cardholders receive triple points (3x) when using their card at local participating merchants.
Double Points* for Gas, Groceries and Recurring Transactions! PERKS Visa® cardholders receive double points (2x) for using their card to purchase gasoline and groceries. Cardholders that use their PERKS Visa® to pay recurring bills (i.e. utilities, insurance payments, online subscriptions) also earn double points.
Single Points for everything else! PERKS Visa® cardholders continue to earn single points for purchases that don’t qualify for double or triple points.

* Double points for gas, groceries and recurring transactions are determined by the merchant’s category code. Midcoast FCU does not have the ability to alter merchant information and therefore cannot guarantee double points impacted by this coding.

Where can I earn triple rewards points?

To make researching and locating local, independently-owned businesses easy and fun, we have launched! The website provides multiple tools and filters to narrow your search and robust directory pages to explore for each business. Look for the icon to identify participating businesses. Better yet, save the link to your mobile device’s home screen for easy access while on the go! When visiting the site be sure to check out our blog Keeping it Salty!, an insider’s guide to the true character (and characters) of our region.

How can I redeem my rewards points?

Points can be redeemed for merchandise, travel services, gift cards, and even cash! A list of participating businesses offering local gift certificates is also available as part of our 321 Local Redemption program. Visit for more information.

How do I get my PERKS Visa® Credit Card?

Call, click or come by any of our offices to apply or learn more about our PERKS Visa®. You can now receive an instant credit decision by applying online or using our Midcoast mobile application. We look forward to rewarding you for supporting our local businesses! Apply today!


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