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Member Loyalty Rewards

Make every day rewarding

Enjoy rebates and extra dividends every month you bank with us

On this page:

As a financial cooperative, we invest our profits into best serving our members. Member Loyalty Rewards are just one of the ways we keep our promise of serving you better. Explore the monthly benefits of each Member Loyalty Reward level.1

The Silver Member Loyalty Rewards level earns you rebates on a variety of fees.

The Gold Member Loyalty Rewards level earns you additional rebates and share certificate dividends.

Gold Level Dividends Calculator


The Platinum Member Loyalty Rewards level earns you additional rebates and share certificate dividends.

Platinum Level Dividends Calculator


How to qualify

Watch your rewards grow as you meet the Member Loyalty Rewards monthly qualification requirements.2

Level Silver Gold Platinum
Minimum deposit balance* $2,500 $2,500 $2,500
Minimum overall balance $50,000 $250,000
Digital Banking enrollment Required Required Required

* Minimum deposit balance is the minimum average daily balance across all your UNFCU deposit accounts and Membership Share.3

‡ Minimum overall balance is the minimum average daily balance of your combined UNFCU loans and deposits, excluding credit cards.3

Top Member Loyalty Rewards FAQs

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.

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.

Resources to help you get started

Visit the Help Center
UNFCU Membership

Apply for UNFCU membership

Digital Banking Setup

Enroll in Digital Banking

Savings & Spending Accounts

Open a share certificate

UNFCU Membership

View your Member Loyalty Rewards level

Explore the benefits of UNFCU membership

Learn more about how we are serving the people who serve the world®.