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Member Loyalty

Earn rewards for using your account.

Go to Member Loyalty Widget
Member Loyalty Member Loyalty

More Opportunities to Earn in 2021!

Earn up to $187 with Member Loyalty.

Let’s Keep Building!

Members earned a record total of $4.27 million in 2020. To thank members for the commitment, we’re upping the annual total members can earn! In 2021, the maximum payout each member can get is $187.

Unlock Your Member Loyalty1

To start earning money for your Member Loyalty in 2021, you’ll need to unlock it with a checking account and at least five withdrawals per month from any share linked to your account (savings, checking, credit, etc.). Withdrawals can be any combination of a:

  • Debit or credit card purchase.
  • Check withdrawal.
  • Automatic payment.
  • Bill Pay.
  • ATM withdrawal.

Track Your Reward!

The Member Loyalty Widget in Online and Mobile Banking allows you to track how much you earn each month.

When you log into your account, just go to the Member Loyalty Widget on the left side of the page. The widget shows how much you’ve earned so far this year. Compare that to the reward table and see how you can get even more with Member Loyalty!

Members Can Earn Up to $187 with Member Loyalty

Once you unlock Member Loyalty, you can build your reward monthly by using the four services as described below. You’ll be able to see the money in your account on Dec. 1, 2021.


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 type2.

Auto Lease/Loan Mortgage Home Equity/Home Equity Line of Credit Personal3
$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-$99,999.99 $100,000-$249,999.99 $250,000+
$1.00 $2.00 $3.00 $4.00 $5.00 $6.00


Accrues monthly per usage of either service.

Online Banking or Mobile Banking


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 and stops earning rewards on Nov. 30, 2021. Rewards will be visible in members’ accounts on Dec. 1, 2021. The account must be in good standing on Nov. 30, 2021, to receive the reward. An account is not in good standing if its checking account has been negative for more than 35 days or a loan is overdue for payment. 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 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 Jan. 1, 2021.

2Members will only earn one reward per loan type. For example, if a member has two auto loans, they will only earn one $1 reward each month.

3Educators Credit Union personal loans excludes some offerings, like LendKey student loans, Fresh Start loans, and Rapid Relief loans.

4The Savings total is based off 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.