More Cheer. Less Interest.

More Cheer. Less Interest.

Staff Guide – 2026 Winter Credit Card Campaign

We are officially launching our “More Cheer. Less Interest.” winter credit card campaign! This season, we’re reminding members that their credit card should offer more than a way to pay—it should deliver value, convenience, and a more personal financial experience.

Our Beach Municipal FCU Visa Platinum credit card offers competitive rates, rewards on eligible purchases, no annual fee, and no balance transfer fees. Combined with the friendly, local service our members already know and trust, it’s an opportunity to show members the value of choosing Beach Municipal FCU for more of their everyday financial needs.

We need your help to bring this campaign to life by starting helpful conversations, highlighting our card’s benefits, and encouraging members to make their Beach Municipal FCU credit card their first choice for eligible purchases.

 

Campaign Overview

This campaign uses digital, social, email, and in-branch marketing to increase credit card applications, encourage everyday usage, and strengthen members’ awareness of the Beach Municipal FCU difference.

Rather than competing solely on credit card features, we’re emphasizing the combination of competitive value and personal service that makes our credit union different.

Our message is simple: More Cheer. Less Interest.

Campaign Target

Our primary audiences include:

• All Members: Encourage members to use their Beach Municipal FCU credit card for eligible everyday purchases and make it their first choice when appropriate.
• Members Without a BMFCU Credit Card: Introduce members who have checking or savings accounts with us to the benefits of adding our credit card to their existing relationship.
• Existing Cardholders: Encourage everyday usage, Tap-to-Pay adoption, and appropriate recurring bill payments.
• New Members: Introduce our credit card as a natural extension of their Beach Municipal FCU membership.

The Offer

Help members discover the value of our Visa Platinum credit card:

• Competitive Rates: A cost-conscious credit card option for eligible purchases.
• No Annual Fee: No yearly card fee.
• Rewards: Earn rewards on eligible purchases according to program terms.
• No Balance Transfer Fees: An option for eligible balance transfers without a transfer fee, subject to applicable terms and conditions.
• Local Lending Decisions: A more personal approach to financial service.
• Friendly Branch Service: Real people who are available to help when members have questions.

Remember: “More Cheer. Less Interest.” is our campaign tagline, not a promise that every purchase will cost less. Do not imply a special promotional rate or guaranteed savings.

 

Promotion Strategies

The main goals of this promotion are to:

• Increase Applications: Generate new Beach Municipal FCU credit card applications.
• Encourage Everyday Usage: Keep our Visa Platinum card top of wallet for eligible everyday purchases.
• Promote Tap-to-Pay: Encourage members to take advantage of convenient contactless payment options where supported.
• Strengthen Member Relationships: Remind members that their credit union offers more than an account—it offers a trusted relationship and personal service.
• Build Awareness: Highlight our competitive rates, rewards, no annual fee, and no balance transfer fees.
• Support Financial Wellness: Help members make thoughtful choices about spending, borrowing, and managing their finances during the holiday season.

Campaign Timeframe

The promotional period runs from November 1 – December 31, 2026.

 

Marketing Channels & Materials

Look for these materials to help you start the conversation:

• In-Branch: Promotional signage, teller materials, and Works24 TV ads.
• Digital: Virtual Branch login messages, mobile app ads, and website banners.
• Direct: Targeted email communications highlighting card benefits, existing member relationships, and everyday usage.
• Social: Facebook and Instagram posts featuring seasonal messages, everyday value, the credit union difference, and smart spending reminders.
• Member Communications: Statement messages, receipt messages, and on-hold messaging reinforcing the campaign.
• Tap-to-Pay Education: Opportunities to remind members about the convenience of using their eligible Beach Municipal FCU card for contactless payments.

 

WIIFT? (What’s In It for Them)

How Can Our Credit Card Help?

Feature	Beach Municipal FCU Visa Platinum	Member Benefit
Competitive Rates	Competitive credit card rates	An option to consider when comparing borrowing costs.
Annual Fee	No annual fee	No yearly card fee.
Rewards	Rewards on eligible purchases	Added value through the applicable rewards program.
Balance Transfers	No balance transfer fees	No transfer fee on eligible balance transfers.
Local Service	Friendly, personal service	A local team to turn to with questions.
Tap-to-Pay	Contactless payment convenience where supported	A quick and convenient way to pay at participating terminals.

The takeaway: Members already trust Beach Municipal FCU with their accounts. Our credit card gives them another opportunity to experience the value of that relationship.

How Staff Can Help

Our goal is to make conversations feel helpful and relevant—not like an additional product pitch.

If a member is making everyday purchases:

“Can I ask which credit card you typically use for everyday purchases? Our Beach Municipal FCU Visa offers competitive rates, rewards, and no annual fee. I’d be happy to tell you more about it.”

If a member already has checking or savings with us:

“You already trust us with your accounts. Have you considered our credit card, too? It offers competitive rates, rewards, and no annual fee, along with the personal service you already know.”

If a member asks about credit card debt or balance transfers:

“Our Visa Platinum card has no balance transfer fees on eligible transfers. If you’re comparing options, we can help you understand the applicable rate and terms so you can decide whether it makes sense for you.”

If a member asks about Tap-to-Pay:

“Our Visa card offers a convenient way to pay with contactless technology where supported. Look for the contactless symbol on your card and at participating payment terminals.”

 

Our Role

Every member interaction is an opportunity to demonstrate the value of Beach Municipal FCU. By understanding our credit card benefits and sharing them naturally, we can help members discover another way to get more from their membership.

The holidays are about family, friends, traditions, and the moments we remember. Our role is to help members make thoughtful financial choices while providing the competitive value and personal service they deserve.

More Cheer. Less Interest.

Beach Municipal FCU—your local credit union, putting members first.

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