ICCU Member Rewards recognizes our members’ loyalty and provides rewards such as cash back, waived service charges, and premium account offerings.

There’s no need to sign up or enroll! Points are automatically earned each month based on accounts and account activity. 

MEMBERSHIP TIERS

• The monthly membership is tier based on the number of earned points at the close of each calendar month per the Monthly Points Earned chart below.
• Tiers are calculated monthly as follows:
  • Platinum — 550 points and higher
  • Gold — 400–549 points
  • Silver — 250–399 points
  • Bronze — 1–249 points

MEMBERSHIP TIER BENEFITS

• Platinum and Gold members may redeem accrued points for cash.
• Platinum members may have the following service charges waived automatically (without redeeming points): cashier's checks, account history printouts, and phone transfers.
• Gold members may have the account history printout service charge automatically waived (without redeeming points).
• Platinum members will also have access to the higher-earning Platinum Checking and Platinum Money Market Accounts effective November 1, 2023.

ACCRUED POINT REDEMPTION

• Points earned each month are accrued until a member chooses to redeem them. The total number of accrued points or redeemed points does not impact membership tiers.
• Silver, Gold, and Platinum members may use accrued points for service charge waivers. Only Platinum and Gold members may redeem accrued points for cash.
• The Points Redemption chart below shows how many points are needed for cash back or to waive a service charge.
• Points will expire after five years.

ADDITIONAL DETAILS

• Monthly membership tiers may change based on account activity or when accounts are opened or closed based on the Monthly Points Earned chart below.
• Points began to accrue October 1, 2023, and will appear on your periodic statements starting October 31, 2023.
• Members will be able to review their monthly earned points and membership tier, along with total points accrued and redeemed, in Online Banking in “Member Services” under “Tiered Services,” and on their periodic statements.
• Platinum Checking and Money Market Accounts are only available to members who have obtained Platinum status at the time they open the account. Once a Platinum Checking or Money Market Account is opened, a member is eligible to keep the account in perpetuity even if they lose Platinum Membership status.

HAVE QUESTIONS?

View our Frequently Asked Questions or contact our eBranch at eBranch@myICCU.org.

MONTHLY POINTS EARNED

Primary Financial Institution	Points		Member Deposit Relationship	Points
Primary Checking Accounts	100		Payroll Deposit of at least $2,000/mo.	75
Membership Bonus, per year after 5 years	10		ACH Deposit of at least $2,000/mo.	75
			Transfers of any Type via AFT	10
Member Savings Relationship	Points		Loan Payments only via AFT	25
Additional Savings Products	10		Loan Payments via ACH	25
Non-IRA Share Certificates	25		Self-Service Product Relations	Points
IRA Share & Share Certificates	25		# of Debit Card Trans.: 1–10	10
Money Market Accounts	25		# of Debit Card Trans.: 11–25	15
Checking Account with Negative Balance	-50		# of Debit Card Trans.: 26–50	20
Savings Account with Negative Balance	-50		# of Debit Card Trans.: 51+	25
Aggregate Balance up to $2,499	0		Credit Card	100
Aggregate Balance $2,500–$10,000	15		Online Banking	25
Aggregate Balance $10,001–$50,000	25		eStatements	15
Aggregate Balance $50,001–$100,000	50		Bill Pay	15
Aggregate Balance greater than $100,001	100		Valid E-Mail Address	5
Member Loan Relationship	Points		eNotice Subscription	15
Mortgage Loans	100		eAlerts Subscription	5
Home Equity Loans	100		Invalid Address	-50
All other Loans	25
Any Loan with a Delinquency	-100
Aggregate Balance up to $10,000	10
Aggregate Balance $10,001–$24,999	25
Aggregate Balance $25,000–$74,999	50
Aggregate Balance $75,000–$150,000	100
Aggregate Balance greater than $150,001	125

 

* Only Platinum and Gold members may redeem points for cash. Minimum $5.00 (5,000 point) for cash redemption.

Program subject to change at any time without prior notice.