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Member Loyalty
Does your financial pay you?
Happy Member Loyalty Payout Day!
This year, members earned over $5.2 million!
How It Works
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Earn
Each year, loyal members earn record amounts. To show our appreciation for this loyalty and commitment to Educators, we’re increasing the annual total members can earn.
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Unlock1
Unlock your Member Loyalty 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 debit or credit card purchases, check withdrawals, automatic payments, bill pays and ATM withdrawals.
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Track
The Member Loyalty Tool in Online and Mobile Banking allows you to track how much you earn each month. Check your reward amount in Online or Mobile Banking under the “Accounts” tab.
– Rachel K.My Loyalty Reward and uChoose Rewards® paid for a new laptop!
How to Earn Member Loyalty
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, 2025.
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25-50 Transactions |
51-75 Transactions |
76-100 Transactions |
>100 Transactions |
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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. |
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25-50 Transactions $1.00 |
51-75 Transactions $2.00 |
76-100 Transactions $3.00 |
>100 Transactions $4.00 |
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Auto Lease/Loan |
Mortgage |
Home Equity/Home Equity Line of Credit |
Personal3 |
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Your rewards are accrued monthly per loan type2. |
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Auto Lease/Loan $1.00 |
Mortgage $2.00 |
Home Equity/Home Equity Line of Credit $2.00 |
Personal3 $1.00 |
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$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+ |
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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. |
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$1,000 - $4,999.99 $1.00 |
$5,000 - $19,999.99 $2.00 |
$20,000 - $49,999.99 $3.00 |
$50,000 - $99,999.99 $4.00 |
$100,000 - $249,999.99 $5.00 |
$250,000+ $6.00 |
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Online Banking or Mobile Banking |
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Accrues monthly per usage of either service. |
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Online Banking or Mobile Banking |
Your loyalty is rewarded every year just for using your Educators accounts.
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2018$3.1 million
In 2018, members earned a total of $3.1 million!
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2019$3.4 million
In 2019, members earned a total of $3.4 million!
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2020$4.2 million
In 2020, members earned a total of $4.27 million!
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2021$4.9 million
In 2021, members earned a combined payout of $4.9 million!
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2022$5 million
In 2022, members earned a combined payout of $5 million!
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2023$5.1 million
In 2023, members earned a combined payout of over $5.1 million!
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2024$5.2 million
In 2024, members earned a combined payout of over $5.2 million!
Disclosures
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, 2023. Rewards will be visible in members’ accounts on Dec. 1, 2023. The account must be in good standing on Nov. 30, 2023, 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, 2022.
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.