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Member Loyalty Rewards

Make every day rewarding

Enjoy extra dividends and fee rebates 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 Rewards level.1

Earn rewards each month that you qualify

Board check.
No need to enroll

Qualified members automatically receive rewards.

Calendar.
Rewards posted monthly

Your rewards are posted to your account at the start of the following month.

Star reward.
View your rewards in Digital Banking

Select the star icon at the top next to your name.

Checkmark.
Automatic level updates

We update your loyalty level each month based on your qualifications.

Your rewards at the Silver level

  • Earn 1% of share certificate dividends.
  • Receive up to $5 back on fees.

Calculate your dividends at the Silver level

$0.00
1%
$0.00

APY = Annual Percentage Yield.

  1. This calculation is based on the assumption that you remain qualified for the Silver level for 12 months at currently available rates. The rates applicable to the share certificates you hold may be different. The Member Loyalty Dividend rate above applies for Member Loyalty Dividends earned on or after 1 June 2024.

    This calculation does not account for share certificates with terms of less than 12 months. All UNFCU share certificates are eligible for Member Loyalty Dividends.

Your rewards at the Gold level

  • Earn 2% of share certificate dividends.
  • Receive up to $30 back on fees.

Calculate your dividends at the Gold level

$0.00
2%
$0.00

APY = Annual Percentage Yield.

  1. This calculation is based on the assumption that you remain qualified for the Gold level for 12 months at currently available rates. The rates applicable to the share certificates you hold may be different. The Member Loyalty Dividend rate above applies for Member Loyalty Dividends earned on or after 1 June 2024.

    This calculation does not account for share certificates with terms of less than 12 months. All UNFCU share certificates are eligible for Member Loyalty Dividends.

Your rewards at the Platinum level

  • Earn 4% of share certificate dividends.
  • Receive up to $55 back on fees.

Calculate your dividends at the Platinum level

$0.00
4%
$0.00

APY = Annual Percentage Yield.

  1. This calculation is based on the assumption that you remain qualified for the Platinum level for 12 months at currently available rates. The rates applicable to the share certificates you hold may be different. The Member Loyalty Dividend rate above applies for Member Loyalty Dividends earned on or after 1 June 2024.

    This calculation does not account for share certificates with terms of less than 12 months. All UNFCU share certificates are eligible for Member Loyalty Dividends.

Your rewards at the Diamond level

  • Earn 8% of share certificate dividends.
  • Receive up to $60 back on fees.

Calculate your dividends at the Diamond level

$0.00
8%
$0.00

APY = Annual Percentage Yield.

  1. This calculation is based on the assumption that you remain qualified for the Diamond level for 12 months at currently available rates. The rates applicable to the share certificates you hold may be different. The Member Loyalty Dividend rate above applies for Member Loyalty Dividends earned on or after 1 June 2024.

    This calculation does not account for share certificates with terms of less than 12 months. All UNFCU share certificates are eligible for Member Loyalty Dividends.

How to qualify

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

Level Silver Gold Platinum Diamond
Digital Banking enrollment Required Required Required Required
Minimum deposit balance3 $2,500 $2,500 $2,500 $2,500
Minimum overall balance3 — $50,000 $250,000 $250,000
Length of membership
 — — — 20 years or more

 

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.

All members in good standing who are not subject to account restrictions are eligible for Member Loyalty Rewards if they meet the qualifications. The Diamond level requires 20 years or more of UNFCU membership.

Member Loyalty Rewards are dividends and fee rebates 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.

View all Member Loyalty Rewards FAQs

Resources to help you get started

Visit the Help Center
UNFCU Membership

Apply for UNFCU membership

Learn more
Digital Banking Setup

Enroll in Digital Banking

Learn more
Savings & Spending Accounts

Open a share certificate

Learn more
UNFCU Membership

View your Member Loyalty Rewards level

Learn more
Visit the Help Center

Explore the benefits of UNFCU membership

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

View member benefits

Disclosures

  1. Member Loyalty Dividends: Member Loyalty Dividends are equal to a percentage of the dividends earned on all your UNFCU share certificates. For example, if you earned $100 in dividends on your share certificates in a given month, and qualified for the Platinum level, you would receive an additional $4.00 for that month in Member Loyalty Dividends (i.e. 4% of the $100). This amount will be credited to your checking account at the start of the following month. If you do not have a checking account, monthly rewards will be credited to your savings account. Member Loyalty Dividends do not change your share certificate’s actual annual percentage yield (APY).

    Fee rebates: View our fees for a complete list of fees that are eligible for rebates. Fees exceeding the rebate you qualify for in a calendar month cannot be rebated in future months. Likewise, the rebate is not a credit and applies only to eligible fees incurred in a qualifying month.

  2. To qualify for a loyalty level, yyour accounts must be in good standing and must meet all of the criteria listed for that level. UNFCU will determine your loyalty level at the end of each calendar month. Your rewards for that month will be credited to your checking account at the start of the following month. If you do not have a checking account, monthly rewards will be credited to your savings account. If you are in a country subject to US sanctions, view all account restrictions that may apply. UNFCU may change the rewards offered through its Member Loyalty Rewards program at any time without advance notice.

  3. Minimum deposit balance is the minimum average daily balance across all your UNFCU deposit accounts and Membership Share. Minimum overall balance is the minimum average daily balance of your combined UNFCU loans and deposits, excluding credit cards.

    Average daily balance (ADB) is calculated based on the number of days an account is open during a given month. Your account must be open on the last day of the month to count towards ADB.

    Deposit accounts: To qualify for Member Loyalty Rewards at any level, you must have a minimum ADB of $2,500 in your deposit accounts and Membership Share. The balance in all deposit accounts and Membership Share for which you are listed as the primary or joint account holder will be counted as part of your ADB. However, your rewards will only apply to deposit accounts for which you are the primary account holder.

    Loan accounts: To determine whether you qualify for the Gold, Platinum, or Diamond level, the ADB will include your loan balances, excluding your credit card balance. The balance of all loans for which you are the primary borrower will be added to the balance of your deposit accounts and Membership Share to calculate your ADB. This includes the amount you borrow from the approved amount of your UNFCU credit lines, home renovation loan, and/or international home build loan.