Your Checking Account Can Earn up to $165 in 2019!

Start earning Member Loyalty Rewards.

Unlock Member Loyalty Rewards with an Active Checking Account

Unlock this year’s Member Loyalty1 program with an active checking account. An active checking account means:

  • You deposit a check, receive an electronic deposit from a non-Educators Credit Union account, or receive a payroll direct deposit into your checking account at least once a month.
  • You make at least five transactions each month. These transactions can be any combination of using your debit card2, writing a check, making an automatic withdrawal or using Bill Pay. It does not include ATM withdrawals.


Minors with $100 in their savings can earn a $25 reward3.

Active Checking Can Earn Up to $165

Once you unlock the Member Loyalty Reward, build your reward monthly by using the four services as described below.

This year’s reward will be processed on Nov. 30 and you’ll see it in your account Dec. 1.



The tiers are based on monthly transactions posted to your account during the calendar month. This will be any credit or debit transaction using the credit option.

25-50 Transactions 51-75 Transactions 76-100 Transactions >100 Transactions
$1.00 $2.00 $3.00 $4.00


Your rewards are accrued monthly per loan type that is active and not delinquent past the 10-day grace period.

Auto Lease/Loan Mortgage Home Equity/Home Equity Line of Credit Personal4
$1.00 $2.00 $2.00 $1.00


These tiers are based on the daily average balance of all savings shares held by the account holder. It does not include Health Savings Accounts.

$1,000-$4,999.99 $5,000-$19,999.99 $20,000-$49,999.99 $50,000+
$1.00 $2.00 $3.00 $4.00


Accrues monthly per usage of either service.

Online Banking or Mobile Banking

Member Loyalty

Educators Credit Union wants to increase our active checking accounts by 20% by Nov. 30. If we reach this goal, everyone with an active checking account in November will receive a Member Loyalty reward.

As of Nov. 1, 2019, we have completed 79.6% of our goal.

1Educators Credit Union members will receive one Member Loyalty Reward per primary account holder social security number. A member can only receive one reward. Business accounts are eligible if their account uses an Employer Identification Number, not a social security number that is already linked to another Educators Credit Union account. The account earns a reward each month that builds to the Nov. 30 deposit. Member Loyalty will show in accounts Dec. 1. The account must be in good standing with Educators Credit Union for the member to participate in the reward that month. If a member’s checking account is negative due to Overdraft Privilege, that member is still eligible to participate in the program as long as the account is brought positive within the 35-day period. You can earn one monthly reward per service listed. For example, if you have multiple auto loans or leases, it will count as one service. Other restrictions may apply. Annual Percentage Yield for Educators Credit Union’s base checking account is 0.01%. The minimum to earn the APY on a checking account is $2,500. The rate may change after the account is open. Rate is accurate as of July 1, 2019.
2ATM Withdrawals do not count as debit card transactions. Transfers from the checking share to another share, such as savings or loans, does not count as one of the five transactions.
3Minors will get $25 in their account if they have $100 in their savings on Nov. 30 unless they have earned the standard Member Loyalty reward and it is more than $25.
4Educators Credit Union loans cannot be past due to earn the monthly reward. LendKey, Fresh Start Loans and Rapid Relief Loans are excluded from the program.
5The savings total is based off of the average total balance for any savings account a member has where they are the primary member. The total does not include Health Savings Accounts.