Loyalty Pays
The more services you have with Circle Federal Credit Union, the more points you earn. Points can be redeemed for fee reversals, VISA Gift Cards, donations to local charities, and even a free turkey coupon for the holidays!
Login to ItsMe247 online banking to check your available reward points and learn how to earn more for next month! You can redeem your points at any branch location.
How to Earn Points
| Share Account | Points |
|---|---|
| Checking Account | 100 |
| Negative Savings Account | -250 |
| Money Market (Premier Savings) | 25 |
| Additional Savings/Sub Accounts | 10 |
| Savings Balance to $2,499 | 0 |
| Savings Balance to $4,999 | 10 |
| Savings Balance to $9,999 | 15 |
| Savings Balance to $24,999 | 20 |
| Savings Balance to $9,999,999 | 25 |
| Certificate of Deposit | 10 |
| IRA Certificate of Deposit | 10 |
| IRA Share | 10 |
| Loans | Points |
| Loan Balance to $4,999 | 25 |
| Loan Balance to $5,000-$9,999 | 50 |
| Loan Balance to $10,000-$49,999 | 150 |
| Loan Balance to $50,000-$99,999 | 250 |
| Loan Balance to $100,000+ | 350 |
| Delinquent Loan | -250 |
| Auto Loan | 50 |
| Home Equity Loan (2nd & HELOC) | 100 |
| Mortgage (1st) | 200 |
| Visa Credit Card | 50 |
| Other Loan | 50 |
| Convenience Services | Points |
| ATM Card | 10 |
| Debit Card | 100 |
| Direct Deposit (Payroll or ACH) | 100 |
| Automatic Payment of Loan | 50 |
| ACH Payment to Loan | 50 |
| It'sMe247 Online (Used This Month) | 50 |
| Telephone Banking | 10 |
| Bill Pay | 50 |
| eStatements | 50 |
| Valid email Address | 5 |
| eNotice Enrolled | 5 |
| eAlert Enrolled | 5 |
| Mobile Text Banking | 5 |
| Wrong Address | -50 |
| Loyalty | Points |
| Years of Membership (10+ Years) | 5 |
How to Redeem Points
| CD and Loan Redemptions | Points |
|---|---|
| .10% Discount on Auto/Boat/RV Loan | 8,000 |
| .25% Discount on Auto/Boat/RV Loan | 12,000 |
| .25% Discount on Unsecured Loan | 6,250 |
| .05% BUMP or CD Bonus (Up to $10,000) | 1,250 |
| Fee Redemptions | Points |
| VISA Gift Card Fee | 750 |
| Stop Payment Fee | 2,500 |
| Cashier's Check/Money Order Fee | 500 |
| ATM Fee | 750 |
| NSF/Courtesy Pay Fee | 7,250 |
| Temporary Checks Fee | 500 |
| Free Box of Duplicate Checks | 7,000 |
| Paper Statement Fee | 250 |
| Travel Money Card Fee | 1,750 |
| Minimum Balance Fee | 1,250 |
| Statement Printout in Branch | 750 |
| Outgoing Wire Fee | 8,000 |
| Gift Card Redemptions | Points |
| $25 VISA Gift Card | 10,000 |
| Charity Redemptions | Points |
| $25 Charitable Donation | 10,000 |
