Member Rewards Points

What are Member Rewards Points?

Member Rewards Points is a unique rewards program based on your account relationship with United Advantage NW FCU. You can benefit with lower fees, free services and increased Courtesy Pay Overdraft limits.

HOW TO PARTICIPATE
Your reward level is based on the number of products and active services you have at the credit union.  The more you use, the more points you'll earn!

HOW TO GET POINTS
At the beginning of each month we look at your overall activity and participation with the credit union durring the previous month.  The diversity of your accounts, the overall balances, if you have direct deposit, online banking or whether or not you use eStatements or online bill pay are some of the many factors reviewed.

Each item is awarded a certain number of points (some things, like a negative account balance can subtract from your total score).

Once your score is calcuated, you become eligible for all of the benefits of your particular participation group throughout the entire month.  For example, your score cacluated on May 1st is for your April activity, but you will get the benefits throughout the entire month of May.

HOW TO SEE YOUR POINTS
Not sure what your rewards level is?  You can find your rewards level a few different ways; displayed on your statement or in It's Me 247 Online Banking!

POINTS POSSIBLE
Each item is awarded a certain number of points each month.  Check out the table below to see how many points you can earn for each item.

Savings Products	Points	Loan Products	Points
Each Savings Account	25	Mortgage Loan	50
Share Certificate	25	Equity Loan or HELOC	100
IRA and IRA Certificate	25	Consumer Loan	50
Share Draft/Checking Accounts	50	VISA Credit Card	100
Money Market	25	Aggregate Loan Balances up to $1,500	25
Aggregate Share Balances up to $10,000	50	up to $5,000	50
up to $20,000	75	up to $20,000	75
up to $30,000	100	up to $150,000	100
up to $50,000	125	over $150,000	150
over $50,000	200	Delinquent Loan	-500
Negative Balance	-300
Self Service	Points	Automatic Deposits and Transfers	Points
Active Checking & Debit Card	75	Payroll Deposit over $250 per month	100
Active CU*Talk Telephone Banking	25	ACH Deposit over $250 per month	100
Active It's Me 247 Online Banking	50	Automatic Funds Transfer	50
eStatement	50
EasyPay Online Bill Pay	50