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Kellogg Community Credit Union
Family
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value in participation (VIP) rewards

We appreciate our members and understand they have many options when it comes to choosing their financial institution. To show our appreciation, we want to reward our members and offer them savings based on their participation in our cooperative credit union. The more products and services you use at KCCU, the more VIP points you will earn allowing you to save more money! This is our way of thanking you for your loyalty and participation.

VIP levels

bronze – 0 - 299 VIP points

Our Bronze level earns the following:

  • Unlimited Free ATM Transaction at KCCU ATMs
  • Online Bill Payment (Up to 13 free per month)

silver – 300 – 599 VIP points

Our Silver level earns the following:

  • Unlimited Free ATM Transaction at KCCU ATMs
  • Online Bill Payment (Up to 13 free per month)
  • 2 Free ATM Transactions at non-KCCU ATMs

gold – 600 – 899 VIP points

Our Gold level earns the following:

  • Unlimited Free ATM Transaction at KCCU ATMs
  • Online Bill Payment (Up to 13 free per month)
  • 4 Free ATM Transactions at non-KCCU ATMs
  • Free Cashier's Checks
  • Unlimited Free Phone Banking

platinum – 900+ VIP points

Our Platinum level earns the following:

  • Unlimited Free ATM Transaction at KCCU ATMs
  • Online Bill Payment (Up to 13 free per month)
  • 4 Free ATM Transactions at non-KCCU ATMs
  • Free Cashier's Checks
  • Unlimited Free Phone Banking
  • Free Debit/Credit Card Replacements
  • $5 Off Annual Safe Deposit Box Rental Fee

Business accounts are not eligible for the Value in Participation program

To view your VIP status and Lifetime Points, simply log into your online banking account for a full overview.  

 

Products and Services

Pts

 
Enrolled in Bill Pay
50
 
Subscribed to E notices
50
 
Subscribed to E Alert
50
 
Consumer loans (excluding mortgage and HE), points are per loan
100
 
Mortgage loans
100
 
Home Equity/HELOC Loan
100
 
Checking
100
 
Certificate
100
 
IRA Certificate
100
 
Payroll Direct Deposit - Min. monthly deposit $500
50
 
ACH Deposits - Min. Monthly deposit $500
50
 
Negative Checking Account
-200
 
Negative Share Balance
-200
 
Delinquent Loans
-200
 
Incorrect Address
-200

 

Aggregate Savings Balances

Pts

 
$0 - $4,999

100

 
$5,000 - $14,999
200
 
$15,000 - $74,999
400
 
$75,000 -$149,999
600
 
$150,000+
700
 

Aggregate Loan Balances

Pts

 
$0 - $9,999
0
 
$10,000-$24,999
100
 
$25,000 - $74,999
300
 
$75,000 - $149,999
500
 
$150,000+
700
 

lifetime points

The VIP points you accumulate each month can be saved for up to 24 months. These accumulated points are called Lifetime Reward points, which can be redeemed for free fee waivers such as NSF or Courtesy Pay fees, or to purchase checks or money orders. You can even earn discounts on loan rates, increases on certificates rates, and so much more! This is our way of thanking you for your loyalty to KCCU. See how you can Redeem Your Points