Turning Membership Into Real Rewards: Member Loyalty Program

At Options Credit Union, your membership means more than just better rates — it means real rewards for the relationships you build with us. That’s why we’re excited to introduce our new Member Loyalty Reward Program, designed to thank you for being an active part of our credit union community while helping you save more and earn more.

---

How The Member Loyalty Rewards Program Works

Our Loyalty Program is simple: the more you participate in your credit union, the more rewards you earn. Members who maintain key relationships with us — such as an active checking account, debit card usage, or multiple loan relationships — can qualify for exclusive rate benefits on loans and certificates of deposit (CDs). Over time, we will continue to add to the reward program, providing even greater perks!

Two Reward Levels

There are two reward levels, each built to recognize your loyalty and engagement:

Tier 1 - Loyalty Member

How to qualify: Have an active checking account with payroll or social security direct deposit of at least $500/month, or $500 per month in debit card purchases, and at least 2 of the following qualifiers:

• 10 or more posted debit card transactions per calendar month.

• Have, or had, at least one consumer loan (auto, personal, Visa, or similar) with positive payment history.

• Have a current real estate loan with positive payment history (counts as two).

• Maintain a combined savings/CD balances of $1,500 or greater.

• Enrolled in eStatements.

  
  

Members who meet the qualifications will receive:

• Loan Rate Discount: up to 0.25% off your next qualifying loan rate.

• CD Rate Increase: +0.10% APY boost on qualifying CDs.

• 50% off appraisal fee for home equity loans.

  
  

Tier 2 - Premier Loyalty Member

Our most engaged members will receive even greater rewards.

How to qualify: Have an active checking account with payroll or social security direct deposit of at least $1,000/month, or $1,000 per month in debit card purchases, and at least 2 of the following qualifiers:

• 20 or more posted debit card transactions per calendar month.

• Have, or had, at least two consumer loans (auto, personal, Visa, or similar) with positive payment history.

• Have a current real estate loan with positive payment history (counts as two).

• Maintain a combined savings/CD balances of $5,000 or greater.

• Active use of Bill Pay.

  
  

Members who meet the qualifications will receive:

• Loan Rate Discount: up to 0.50% off your next qualifying loan rate.

• CD Rate Increase: +0.25% APY boost on qualifying CDs.

• Waived Appraisal Fee on home equity loans.

• Waived EarlyOptions Fee

  
  

(Qualification is verified at the time of loan or CD opening. Terms and conditions apply.)

Why It Matters

We keep things simple — your money should work for you. When you use more of what we offer, you’re not only saving, but you’re also helping grow a cooperative that gives back to you and your neighbors. Our Member Loyalty Reward Program is another way we’re showing what local, member-focused banking is all about.

Current Rewards at a Glance

Loyalty Member	Premier Loyalty Member
0.25% discount rate for auto and personal loans	0.50% discount rate for auto and personal loans
0.10% bonus certificate rate	0.25% bonus certificate rate
50% off appraisal fee on home equity loans	Waived appraisal fee on home equity loans
	Waived EarlyOptions fee

Ready to Earn More for Your Membership?

If you’re already a member, you’re halfway there! Talk with our team today to see which loyalty level you qualify for and start enjoying better rates, exclusive offers, and real member rewards.

Active members earn extra perks and exclusive rate benefits with Options Credit Union Loyalty Rewards

Understanding the Benefits of Membership

Membership at Options Credit Union opens doors to a variety of benefits. You gain access to personalized banking services tailored to your needs. This means you can enjoy better rates on loans and savings.

Moreover, our financial education resources empower you to make informed decisions. We believe that when you understand your finances, you can achieve your goals more effectively.

The Importance of Community Engagement

Being part of a credit union means being part of a community. Your engagement helps us grow and serve you better. When you participate actively, you help create a cycle of support. This cycle benefits not only you but also your neighbors.

We encourage you to take advantage of our programs. They are designed to reward your loyalty and participation.

Final Thoughts

Our Member Loyalty Reward Program is here to enhance your banking experience. It’s about more than just rates; it’s about building relationships. Join us in this journey and reap the rewards of being an engaged member.

Terms and Conditions: Qualifier status will be verified at the time of deposit/application. The rewards level is calculated and based on balances and activity from the prior 90 days. 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. Bill pay is considered active with at least one payment per month. Rate rewards and qualifying thresholds may be revised at any time based on market conditions and program performance. Loan discount subject to floor rate. Revolving, CD Secured, Credit Builder, Freedom Loans, and Credit Card products are excluded from the loyalty adjustment. Promotional loan rates, matching rates, or special CD offers cannot be combined with a loyalty adjustment. Rewards are not available to business accounts/members.