Your Membership Matters!
By choosing to bank with us, you are contributing to the success of the credit union, the communities we serve, and you. The more you participate the greater the reward for all. So, let us share some of the rewards with you through our ‘VIP Perks Program – Value in Participation’!
Thank you for your loyalty and hope you enjoy the PERKS.
Points are calculated monthly and your PERKS will depend on the level you reach!
Check your points in online banking on desktop, mobile browser or our app.
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Good |
Great |
Excellent |
Exceptional |
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Free Online Banking |
Free Online Banking |
Free Online Banking |
Free Online Banking |
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Free Mobile App Banking |
Free Mobile App Banking |
Free Mobile App Banking |
Free Mobile App Banking |
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Free Bill Pay |
Free Bill Pay |
Free Bill Pay |
Free Bill Pay |
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Free Text Banking |
Free Text Banking |
Free Text Banking |
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Free Cashier’s Check |
Free Cashier’s Check |
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Free Money Orders |
Free Money Orders |
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Free Phone Asst. Transfers |
Free Phone Asst. Transfers |
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Free Monthly Mailed Statement |
Free Monthly Mailed Statement |
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Free Overdraft Transfer |
Free Overdraft Transfer |
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.25% Loan Rate Rebate* |
.25% Loan Rate Rebate* |
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.25% CD Rate Bonus** |
.25% CD Rate Bonus** |
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Free Transaction History Print |
Points are calculated the last day of each month to receive Perks to be used the next month.
*Loan Rate Rebates apply to consumer auto, consumer personal, & consumer other secured loans booked after 4.1.2023
**CD Rate Bonuses are available for certificates opened or renewed after 4.1.2023.
Subject to change at any time.
What’s it Worth?
OVERALL MEMBER RELATIONSHIP
| OVERALL MEMBER RELATIONSHIP | POINTS EARNED |
| Checking Accounts | 50 |
| Auto & Personal Loans | 50 |
| Membership Anniversary 10+ Years | 5 |
| Credit Score 620-999 | 5 – 20 |
| ACH/Direct Deposits $850+ per Month | 200 |
| AFT Transfer | 50 |
| Loan Payment via AFT | 50 |
| Loan Payment via ACH | 50 |
| MEMBER ACCOUNT RELATIONSHIP | POINTS EARNED |
| Additional Savings Products | 25 |
| Standard Certificate Products | 50 |
| IRA Accounts | 100 |
| Money Market Accounts | 50 |
| Total Checking/Savings Balances $1500+ | 15 – 60 |
| MEMBER LOAN RELATIONSHIP | POINTS EARNED |
| Mortgage Loan Accounts | 50 |
| Home Equity Loan Accounts | 50 |
| Any Other Loan Accounts | 50 |
| Loan Balances $2500+ | 30 – 75 |
| Number of Credit Card Transactions | 25 – 100 |
| Dollar Amount of Credit Card Transactions | 25 – 100 |
| SELF SERVICES | POINTS EARNED |
| ATM Usage | 25 |
| Number of Debit Card Transactions | 25 – 100 |
| Dollar Amount of Debit Card Transactions | 25 – 100 |
| Credit Card Account | 25 |
| Telephone Banking | 25 |
| Online Banking | 25 |
| E-Statements Enrolled | 25 |
| Bill Payment Usage | 25 |
| Valid Email Address | 25 |
| E-Notice Subscription | 25 |
| E-Alert Subscription | 25 |
| Mobile Text Banking | 25 |
| Mobile App Banking | 25 |
| CU Marketing Opt-In | 25 |
| 3rd Part Opt-In | 25 |
| DON’T LOSE POINTS | POINTS EARNED |
| Wrong Address | -200 |
| Late Loan Payments More than 30 days | -200 |
| Any Savings Product with a Negative Balance | -200 |
| Each Negative Account Balance | -200 |