Member Benefits & Rewards
Options Credit Union members in Littleton, Colorado receive lower loan rates, exclusive rewards, partner discounts, and special financial offers designed to maximize membership value.
The Options Advantage
Membership should always work in your favor. We believe members should be rewarded for the relationship they build with their credit union. The Options Advantage program is a relationship-based rewards program that helps members qualify for lower loan rates and additional financial benefits. As your relationship grows so do your rewards, making your membership more valuable every step of the way.
Earn More as You Engage
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Core Member - get started with built-in benefits just for being a member
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Advantage Member - enjoy added perks and increased savings as your relationship grows
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Premier Advantage Member - unlock our highest level of rewards, including the best rates and exclusive advantages
Options Advantage Rewards at a Glance
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Core Member Benefits - your membership comes with real benefits designed to save you money and add everyday value
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Loyalty Advantage - Advantage & Premier Advantage members receive loan rate discounts, certificate rate boosts, and other exclusive benefits
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Legacy Rate Advantage - the longer you are a member, the more opportunities you will have to benefit from relationship-based pricing
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Advantage Discounts - to maximize the value of membership we offer even more ways for members to benefit from their relationship with additional reward opportunities that can lower your borrowing costs
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Options Legacy Certificate - once a year you will have the opportunity to invest in a premium high-yield certificate earning up to 2% more than the core rate
Loyalty Advantage
Benefit | Advantage | Premier Advantage |
|---|---|---|
Loan Rate Discount | 0.25% | 0.50% |
Certificate Bonus | +0.25% | +.50% |
Home Equity Appraisal | 50% Discount | Free |
Payment Pass (skip-a-pay) | 20% Discount | 40% Discount |
ATM Pass (surcharge refund) | 1 Per Month | 4 Per Month |
Our loyalty advantage program currently features two tiers designed to recognize different levels of engagement:
Tier 1- Advantage Membership
To qualify: Maintain an active checking account with Payroll or Social Security direct deposit of at least $500 per month, and at least two of the following criteria:
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10 or more posted debit card transactions per calendar month
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Have, or had, at least one consumer loan (auto, personal, Visa, or similar) with positive payment history
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Have a current real estate loan with positive payment history (counts as two qualifiers)
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Maintain a combined savings/CD balances of $1,500 or greater
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Be enrolled in eStatements
Tier 2 - Premier Advantage Membership
To qualify: Maintain an active checking account with Payroll or Social Security direct deposit of at least $1,500 per month, and at least two of the following criteria:
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20 or more posted debit card transactions per calendar month
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Have, or had, at least two consumer loans (auto, personal, Visa, or similar) with positive payment history
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Have a current real estate loan with positive payment history (counts as two qualifiers)
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Maintain a combined savings/CD balances of $5,000 or greater
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Actively use Bill Pay
Terms and Conditions: Verification - Qualifier status will be verified at the time of deposit/application/request. The rewards level is calculated and based on balances and activity from the prior 90 days. Active Checking Account - Payroll direct deposit is defined as recurring ACH payments from an employer. Other deposits such as checks, transfers, Venmo, Zelle, Cash App, and PayPal do not qualify. Active Bill Pay - Bill pay is considered active with at least one payment per month. Restrictions - Rate rewards and qualifying thresholds may be revised at any time based on market conditions and program performance. Rewards apply to new originations and new certificate deposits only. Existing loans and certificates are not retroactively adjusted, and existing loans cannot be internally refinanced to receive the reward. Options Advantage rewards and discounts may be stacked but remain subject to the credit union's floor rate. The following products are excluded from the Options Advantage program: Revolving loans, CD Secured loans, Credit Builder loans, Freedom loans, and Credit Cards. Promotional loan rates, rate matching, or special certificate promotions cannot be combined with an Options Advantage adjustment. Rewards are not available for business accounts/members. Limitations - Members may request reimbursement for domestic out-of-network ATM withdraw fees incurred within the current calendar month. Maximum total reimbursement is $15 per calendar month. Reimbursement is not automatic and must be requested. Fees must be posted to an eligible account for reimbursement.
Core Member Benefits
Your membership comes with real benefits designed to save you money and add everyday value. Here's what all members receive at no cost:
Advantage Discounts & Perks
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Access to loan Advantage Discounts (see below)
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Free Accidental Death & Dismemberment Insurance
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Discounted Rates for Auto Insurance
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Discounted Rates for Home Owners Insurance
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Discounted Rates for Rental Insurance
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Discounted Rates for Life Insurance
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Discounted Rates for Trust & Will Services
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Discounted Rates for TurboTax Services
Everyday Banking & Access
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ATM Withdrawals
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Over-the-Counter Transactions
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Shared Branch Transactions
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Mobile Deposits
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Online BillPay
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Loan Payment Coupons
Statements & Records
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Paper Statements
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eStatements
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Statement Copies (current & prior year)
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Check Copies
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Wire Confirmations
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Verification of Deposit
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Notary Service
Payments & Transfers
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Cashiers Checks
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ACH Origination
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Incoming Wires
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Overdraft Transfers from Shares
Legacy Rate Advantage
Benefit |
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0.05% loan rate discount for each year of membership on auto and personal loans |
Members also qualify for additional rate benefits based on the length of their membership, rewarding those who have built a long-term relationship with the credit union.
The longer you are a member, the more opportunities you will have to benefit from relationship-based pricing, exclusive offers, and additional Options Advantage rewards.
Example:
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1 year of membership = 0.05% discount
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10 years of membership = 0.50% discount
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20 years of membership = 1.00% discount
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Terms and Conditions: This reward is cumulative. Loan rates remain subject to the credit union's floor rate.
Advantage Discounts
Advantage | How to Earn It | Discount |
|---|---|---|
Equity Advantage | Finance no more than 80% of your vehicle's value | 0.50% |
Payment Advantage | Enroll in automatic loan payments | 0.25% |
Dealer Advantage | Purchase your vehicle from a CU Preferred Dealer | 0.25% |
Bring It Home Advantage | Refinance an auto loan from another lender | 0.50% |
Terms and Conditions: Bring It Home only applies to auto loans coming from another lender that are at least 12 months old with positive payment history.
Options Legacy Certificate
The Options Legacy Certificate is a limited-time member offer available once per year during Annual Meeting and Member Appreciation month in May. Designed to recognize and reward long-term membership, this special certificate provides a meaningful rate enhancement based on your years with Options Credit Union - because loyalty should earn more.
Certificate Details
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Term: 12 months
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Rate: Our standard 12-month certificate rate, plus an additional 0.25% APY* for each full year of membership
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Minimum to Open: $500
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Maximum Purchase: Set annually based on the credit union's years in operation (in 2026 it was $47,000)
Key Highlights
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Loyalty-based rate boost - earn more the longer you've been a member
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Available only one time per year
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One certificate per member
Terms and Conditions: APY is the Annual Percentage Yield. The maximum rate increase is 2.00%. Rate is fixed at account opening. Restricted to one offer per member with the advertised maximum deposit. Interest pays and compounds monthly. Early withdrawal penalties apply and fees may reduce principle. Federally insured byt the NCUA.
As our credit union continues to grow, we are adding even more ways for members to benefit from their relationship with us. These additional rewards are designed to help members lower borrowing costs while maximizing the value of their membership.
