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
- Free Money Orders
- 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
- Free Money Orders
- Unlimited Free Phone Banking
- Free Debit/Credit Card Replacements
- $5 Off Annual Safe Deposit Box Rental Fee
- Free Coin Processing
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 pointsThe 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
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