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Member Loyalty Rewards FAQs

Member Loyalty Rewards are rebates and dividends you can earn based on your combined deposit and loan balances. You must also be enrolled in Digital Banking to qualify. Member Loyalty Rewards are automatically credited to your account each month you qualify.  

Credit card rewards are points you earn for every $1.00 spent using your UNFCU credit card. You can redeem your points for cash, gift cards, and travel.

To qualify for Member Loyalty Rewards, you must: 

  • Enroll in Digital Banking
  • Have your account active and in good standing. 
  • Maintain an average daily deposit balance of $2,500.

If you do not see a star, you may not be eligible for Member Loyalty Rewards. This may be because your accounts are not in good standing. If you are in a country subject to US sanctions, you may also be subject to account restrictions. For more information about your eligibility, contact us using the channel most convenient for you.

No, you do not need to enroll in Member Loyalty Rewards. Your rewards will be applied to your account automatically each month based on your qualifications.

No, all members in good standing who are not subject to account restrictions are eligible for Member Loyalty Rewards.

Yes, the minors who are account holders are eligible.

The rewards will be credited to your checking account. If you do not have a checking account, the rewards will be credited to your savings account.

Member Loyalty Dividends are equal to a percentage of the dividends earned on all your UNFCU share certificates. 

Here is an example for the Platinum level: 

Let's assume you earned $120 in dividends on your share certificates in May. You will then receive an additional $6.00 in Member Loyalty Dividends. This is equivalent to 5% of the $120. The additional $6.00 would be credited to your checking account at the start of June. If you did not have a checking account, the rewards would be credited to your savings account. The Member Loyalty Dividend does not change your share certificate’s actual annual percentage yield (APY).

Your rewards are calculated at the end of each month. They are automatically posted to your checking account at the start of the following month. If you do not have a checking account, monthly rewards will be posted to your savings account.

No, you do not need to make an official request for the rebates. We will track your qualifications and rewards for you each month.

Your Member Loyalty Rewards level is based on your minimum average daily deposit and loan balances in a given month. We calculate and update your level each month. If you have a lower balance than in the previous month, it's possible that you will qualify for a lower level.