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.
GEM SELECT PERKS
|
Sapphire 0-999 Points |
Emerald 1,000-9,999 Points |
Diamond 10,000+ Points |
|
|
Free Debit Card |
✔ |
✔ |
✔ |
|
Free Nationwide Network of 30,000 ATMs |
✔ |
✔ |
✔ |
|
Free Online Banking |
✔ |
✔ |
✔ |
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Free Savings |
✔ |
✔ |
✔ |
|
Mobile Banking |
✔ |
✔ |
✔ |
|
Referral Rewards |
✔ |
✔ |
✔ |
|
Special promotional points for new loans |
✔ |
✔ |
✔ |
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Advance notice of special events |
✔ |
✔ |
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|
Free Checking |
✔ |
✔ |
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|
Free Online Bill Pay |
✔ |
✔ |
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|
Notary Services Fee Waived |
✔ |
✔ |
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|
Anniversary Gift |
✔ |
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Dedicated phone line |
✔ |
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Dedicated teller line |
✔ |
||
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Fee Waived for non co-op ATM usage |
✔ |
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Free box of checks (1 per year) |
✔ |
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Free Cashier’s Check and 3 Money Orders a month |
✔ |
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Higher Rates on Published CD Rates |
✔ |
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$100 Annual Credit for Misc. Bank Fees (Credit Union Fees)
|
✔ |
*Not applicable for mortgage loans. Points accumulated reset annually. Benefits are subject to change at 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
Statement
