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Member Loyalty

We reward your loyalty.

Woman sits and smiles at her dog

Happy Member Loyalty Payout Day!

This year, members earned a combined payout of over $5.1 million!
Thank you for being a member.

Check Your Reward

How It Works

  • Star

    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.

  • Bundle Accounts

    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.

  • Mobile Phone

    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.

    check my reward

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, 2024 on Member Loyalty Payout Day!

Cards Tier

25-50 Transactions

51-75 Transactions

76-100 Transactions

>100 Transactions

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

$1.00

51-75 Transactions

$2.00

76-100 Transactions

$3.00

>100 Transactions

$4.00

Loans Tier

Auto Lease/Loan

Mortgage

Home Equity/Home Equity Line of Credit

Personal3

Your rewards are accrued monthly per loan type2.

Auto Lease/Loan

$1.00

Mortgage

$2.00

Home Equity/Home Equity Line of Credit

$2.00

Personal3

$1.00

Savings4Tier

$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+

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

$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

Online Tier

Online Banking or Mobile Banking

Accrues monthly per usage of either service.

Online Banking or Mobile Banking

$1.00
 

Your loyalty is rewarded every year just for using your Educators accounts.

  • 2018
    $3.1 million

    In 2018, members earned a total of $3.1 million!

  • 2019
    $3.4 million

    In 2019, members earned a total of $3.4 million!

  • 2020
    $4.27 million

    In 2020, members earned a total of $4.27 million!

  • 2021
    $4.9 million

    In 2021, members earned a combined payout of $4.9 million!

  • 2022
    $5 million

    In 2022, members earned a combined payout of $5 million!

  • 2023
    $5.1 million

    In 2023, members earned a combined payout of over $5.1 million!

“My Loyalty Reward and uChoose Rewards® paid for a new laptop!”

– Rachel K.

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.