Loyalty Rewards

The more you do with us, the more you get back.

Become a Member Love My Credit Union Rewards
Loyalty Rewards

The more you do with us, the more you get back.

Become a Member Love My Credit Union Rewards

Loyalty Rewards

The more you do with us, the more you get back.

Become a Member Love My Credit Union Rewards

Your relationship should be rewarding.

Your everyday financial life can come with a few extra perks. Loyalty Rewards recognizes the ways you bank, borrow, save, and build your financial wellness with Financial Center – unlocking more benefits as your relationship grows.

Every month, your activity earns points that determine your Loyalty Rewards level for the following month. The higher your level, the more perks you’ll enjoy.

You don’t have to redeem points or keep track of complicated rewards. Your qualifying activity determines your level each month, and eligible benefits are automatically available based on where you land.

0 – 29 Points

Level 1: Base

A pretty good place to start.

Your everyday Financial Center membership already comes with benefits designed to make managing your money a little easier.

30 – 59 Points

Level 2: Growth

Your business relationship is growing. So are the perks.

You’ll get everything at Base, plus:

60+ Points

Level 3: Peak

More of your financial life here means more coming back your way.

You’ll get everything at Base and Growth, plus:

  • 0.50% total discount on qualifying loan rates3
  • 0.50% total rate increase on qualifying Certificates
  • One free order of basic checks each year4
  • Rebates on up to five ATM withdrawals each month
  • Free cashier’s checks4
  • Two free domestic wires each month
  • Elevated Interest Checking monthly fee waived
  • Free paper statements

Find your Loyalty Rewards level.

Your points and Loyalty Rewards level are updated each month and listed right on your monthly statement. You can find your latest statement anytime in Digital Banking.

Take life to the next level with more points.

Your points add up based on how you use Financial Center each month. The money you save, the money you borrow, how often you use your Debit Card, and a few other ways you engage with Financial Center can all move you closer to your next Loyalty Rewards level.

The combined balance in your qualifying deposit accounts can earn you up to 30 points each month. The more you keep with Financial Center, the more points you can earn.

DEPOSIT BALANCES

  • $5 – $1,000: 3 points
  • $1,000.01 – $5,000: 5 points
  • $5,000.01 – $20,000: 8 points
  • $20,000.01 – $50,000: 10 points
  • $50,000.01 – $100,000: 20 points
  • $100,000.01 – $250,000: 25 points
  • $250,000.01+: 30 points

Your combined qualifying loan balances can earn you up to 30 points each month – giving your first mortgage, auto loan, personal loan, and other eligible borrowing another way to count.

LOAN BALANCES

  • $0.01 – $10,000: 5 points
  • $10,000.01 – $25,000: 10 points
  • $25,000.01 – $50,000: 15 points
  • $50,000.01 – $100,000: 20 points
  • $100,000.01 – $250,000: 25 points
  • $250,000.01+: 30 points

Everyday purchases can add up to more than what’s in your cart. Make qualifying Debit Card transactions throughout the month to earn up to 20 points.

DEBIT CARD TRANSACTIONS

  • 1 – 5 transactions: 2 points
  • 6 – 10 transactions: 4 points
  • 11 – 20 transactions: 6 points
  • 21 – 30 transactions: 10 points
  • 31 – 40 transactions: 12 points
  • 41 – 60 transactions: 14 points
  • 61 – 80 transactions: 16 points
  • 81 – 100 transactions: 18 points
  • 101+ transactions: 20 points

Your everyday financial habits and relationship with Financial Center can add points, too.

  • Membership: Earn 1 point for every year you’ve been a member, up to 15 points.
  • Financial Coaching: Earn 5 points for meeting with a Financial Coach or Credit Counselor.1
  • Bill Pay: Earn 1 point when you complete a qualifying Bill Pay transaction.1
  • Workshops: Earn 2 points for attending a qualifying workshop.1
  • eStatements: Earn 5 points each month when all eligible personal accounts are enrolled.
  • Direct Deposit: Earn 5 points each month when you have an active qualifying direct deposit.1
  • Work Perks: Earn 10 points each month when your employer participates in Financial Center’s Work Perks program.

Make more of your membership.

Being a member comes with more than great banking. Explore the perks, resources, and extras included with your Financial Center membership.
Member Benefits

Details & Disclosures

The following details and disclosures apply to the Loyalty Rewards program:

Applicability: Owners, joint owners, trustees, or co-borrowers with a valid Social Security Number (SSN) or Tax Identification Number (TIN) may qualify for eligibility for Financial Center First Credit Union’s (Financial Center’s) Loyalty Rewards program.

Eligibility: In order to be eligible for Financial Center’s personal account Loyalty Rewards program, membership must be established with Financial Center and must be in good standing. Business or other entities are not eligible for the personal account Loyalty Rewards program. Business accounts and Health Savings Accounts (HSAs) of all types will not contribute to your personal account Loyalty Rewards program. Good Standing includes but is not limited to the following and is subject to change at any time in Financial Center’s sole discretion:

  • You are not delinquent on any loan; your loan payment is not 30 days or more past due
  • You do not have an open or unpaid charged off account
  • Your accounts do not have a negative balance greater than 35 days

Business accounts have a separate Business Loyalty Rewards program.

Points: Points are calculated each month based on prior month account activity as of the last day of prior month. Points will be aggregated for all eligible accounts associated with eligible member’s SSN or TIN.

  1. Related to Content Above:

    • Advisor Meeting: Can only be earned once per year. Additional meetings do not earn more points.
    • Bill Pay: Additional Bill Pay transactions do not earn more points.
    • Workshops: Additional workshop attendance does not earn more points.
    • Direct Deposits: Additional direct deposits do not earn more points.

  2. Rewards – Debit Card Transactions: ATM debit card transactions are not eligible.

    ATM debit card transactions are not eligible to receive points.

  3. 0.25% or 0.50% Discount on Rates of Qualifying Loans: The following loans are ineligible to receive the rate discount:

    • Indirect Loans
    • Credit Cards
    • Gateway Loans
    • Certificate Secured Loans
    • Share Secured Loans
    • First Mortgage Loans

    All other loans are considered as a qualifying loan.

    All loans are subject to credit approval and underwriting guidelines. Approved borrowers can receive a 0.25% or a 0.50% Annual Percentage Rate discount, according to their Loyalty Rewards Level, on qualifying rates for their qualified loan. Qualifying rate is the rate the borrower receives at time of application approval. Rates may vary based on applicant creditworthiness, age of collateral, loan to value ratio, and length of term.

  4. Free Cashier’s Checks: Only available at Financial Center locations or by calling Financial Center.