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We CU Loyalty Program

Advantage is rewarding members just for being a part of the credit union! Every member is automatically enrolled, and you earn points simply by taking "Advantage" of the already great products and services you use here at the credit union!

Members can view their points via Online Banking, and use those points for cool credit union merchandise or to save money on banking and loan related fees!


How Do I Find My Points Balance?

Member point balances can be found in your online banking account. For mobile app users, point balances are available under the We CU Loyalty Program tab on the app homepage. For desktop online banking users, point balances can be found by selecting Member Resources in the top menu, then selecting We CU Loyalty Program in the drop-down menu.

 

We CU Loyalty Program - Mobile App

We CU Loyalty Program - Desktop Online Banking


Redeem Points for Merchandise!


Fee Redemption

Members can also use points to save money on banking and loan related fees!

 

How Can Members Earn Points?


Members earn points just by using all the great services that ACU has to offer! A complete list of point-earning services can be found below.

 
Service Redemption Cost
Statement Copy (Older than 18 Months) 200
Money Order 250
Visa Gift Card Activation Fee 200
Cashier's Check 500
Check Copy 250
Counter Checks 200
ATm Card Replacement 1000
$20 Check Order Refund 2000
Return Mail Fee 500
Stop Payment Fee Online 1000
Stop Payment Fee w/ CU 2000
Overdraft Paid Fee 2700
Skip Pay Fee - Member Processed 2500
Payment Change Fee 2500
$100 Off Mortgage Closing Costs 5000
Late Fee 1500
Credit Card Late Fee 1500
Service Monthly Points
4+ Accounts Open 50
Account Active for 10+ Years 5 points per years active
2+ Savings Accounts Open 25
Certificate Product Present 50
IRA Share Product Present 100
Money Market Present 50
Aggregate Account Balance $1,500-$3,999 15
Aggregate Account Balance $4,000-$10,000 30
Aggregate Account Balance $10,000-$49,999 45
Aggregate Account Balance $50,000+ 60
Mortgage Loan 50
Home Equity Loan 50
Other Loans 25
Loan Payment via AFT Active 50
Loan Payment via ACH Active 50
Aggregate Loan Balance $2,500-$19,999 30
Aggregate Loan Balance $20,000-$49,999 45
Aggregate Loan Balance $50,000-$99,999 60
Aggregate Loan Balance $100,000+ 75
1-9 Monthly Debit Card Transactions 25
10-29 Monthly Debit Card Transactions 50
30-49 Monthly Debit Card Transactions 75
50+ Monthly Debit Card Transactions 25
Monthly Debit Card Transactions Totaling $1-$499 25
Monthly Debit Card Transactions Totaling $500-$999 50
Monthly Debit Card Transactions Totaling $1,000-$1,499 75
Monthly Debit Card Transactions Totaling $1,500+ 100
Credit Card Active 50
Audio Response Banking Active 25
Online Banking Active 25
Mobile Online Banking Active 25
Mobile Text Banking Active 25
Payroll Deposit Totaling $1,000+ 200
ACH Deposit Totaling $1,000+ 200
Enrolled in E-Statements 25
Enrolled in Bill Pay 25
Enrolled in E-Notice 25
Enrolled in E-Alert 25
Valid E-Mail Address on File 25

Loyalty Tiers


Member point levels are broken up into tiers, where members earn additional perks such as free cashiers checks, no ATM fees, and safe deposit box discounts.

 
  • • Free Online Banking

    • Free Online Bill Pay

    • No Per-Check Fees

    • No Minimum Balance

    • No Monthly Fees

  • • Free Online Banking

    • Free Online Bill Pay

    • No Per-Check Fees

    • No Minimum Balance

    • No Monthly Fees

    • FREE Cashier Checks

    • 0.10% Loan Rebate* (Excludes real estate lending, term share and pledge loans.)

  • • Free Online Banking

    • Free Online Bill Pay

    • No Per-Check Fees

    • No Minimum Balance

    • No Monthly Fees

    • FREE Cashier Checks

    • 0.25% Loan Rebate* (Excludes real estate lending, term share and pledge loans.)

    • 50% Safe Box Discount

    • No ATM Service Charges

    • FREE Money Orders

  • • Free Online Banking

    • Free Online Bill Pay

    • No Per-Check Fees

    • No Minimum Balance

    • No Monthly Fees

    • FREE Cashier Checks

    • 0.50% Loan Rebate* (Excludes real estate lending, term share and pledge loans.)

    • FREE Safe Box Discount

    • No ATM Service Charges

    • FREE Money Orders

    • FREE Box of Checks