Gem Select Rewards Logo

With Gem Select Rewards, members receive points for a variety of products and services as a way of thanking you for your loyalty. Enjoy unparalleled privileges by accumulating points for services such as loans, savings and other services offered, like online or mobile banking, ATM deposits, direct deposit, debit card usage and much more. Use more services and earn more points. Best of all, as a member you are automatically enrolled in this new and exciting program.

0-999 Points 1,000-9,999 Points 10,000 Points & More
Free Debit Card
Free Nationwide Network of 30,000 ATMs
Free Online Banking
Free Savings
Mobile Banking
Referral Rewards
Special promotional points for new loans
Advance notice of special events
Free Checking
Free Online Bill Pay
Notary Services Fee Waived
Anniversary Gift
Dedicated phone line
Dedicated teller line
Fee Waived for non co-op ATM usage
Free box of checks (1 per year)
Free Cashier’s Check and 3 Money Orders a month
Higher Rates on Published CD Rates
$100 Annual Credit for Misc. Bank Fees (Credit Union Fees)
  •      Stop Payments (3 per year)
  •      Skip A Pay Program on a Loan*
*Not applicable for mortgage loans. Points accumulated and reset annually. Benefits are subject to change or be modified anytime at the discretion of Central Cost Federal Credit Union without notice

Points Accumulation

Product Points
Mortgage Balance $0 < $50,000 100
$50,000 - $149,999 500
>= $150,000 1000

Loan Balance $0 < $5,000 50
$5,000 - $24,999 100
$25,000 - $49,999 250
$50,000 - $74,999 400
>= $75,000 500

Share Balance $0 < $2,500 0
$2,500 - $9,999 50
$10,000 - $99,999 250
>= $100,000 500

e-Services Online Banking 50
Bill Pay Usage 20
e-Statement 75

Deposits ATM Deposits 25 each
Mobile Deposits 50 each
Direct Deposit* 50

Debit Card Usage 0-9 Transactions 0
10+ Transactions 50

Loyalty 7+ Years 4000
3-6 Years 500
New Accounts 2500
1-2 Years 0

Fees Courtesy Pay 75 each
NSF 75 each
*Manually posted ACH deposits does not qualify for direct deposit points.

Know Your Points

You can find your points in every statement, everyday logging in to your Online Banking, and soon with an interactive tool available in this page.

Member Status: Displays your current GEM Select Tier

Status Expires: Shows you when the GEM Select Tier will expire. You have until this date to accumulate more points to keep your category. Moving up occurs every month.

Last Month Points: Displays points for the previous month.

Points YTD: Displays points accumulated through the year.

Online Banking


Interactive Tool

Coming soon