When you invest in your Credit Union membership, we return the favor. With Membership Rewards, you gain access to a variety of perks by earning points through utilizing your membership benefits. Plus, you can redeem them for rewards such as increasing certificate of deposit dividends or reducing your loan rates.
Check your current point balance, and ways to earn more points, by selecting Membership Rewards from the home screen in the FPCCFCU Mobile App or under Member Services in online banking.
Membership Rewards Tiers
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| Free Mobile Check Deposits |
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| Free E-Statements |
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| Free First Box of CU Designated Style Checks |
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| Free Text Banking |
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| Free Notary Services |
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| Free Financial Counseling |
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| Free Coin Counting |
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| Free Bill Pay with E-Statements |
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| Free Check Cashing |
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| Free Transaction History Printouts |
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| Free Fax |
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| Free Money Orders |
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| Free Cashier's Checks |
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| Free Domestic Wire Transfers |
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How to Earn Points*
| Checking Account |
50 |
| For Every Year of Membership After 15 Years of Membership |
1 |
| Non-IRA Certificate Products Present |
10 |
| IRA Share and Certificate Products Present |
20 |
| Accounts with Money Market Dividend Applications |
30 |
| Savings Aggr. Balance $1,000-$2,499 |
10 |
| Savings Aggr. Balance $2,500-$14,999 |
20 |
| Savings Aggr. Balance $15,000-$74,999 |
30 |
| Savings Aggr. Balance $75,000+ |
40 |
| Accounts with Mortgage Loans |
75 |
| Accounts with Home Equity Loans |
50 |
| Any Other Loans |
25 |
| Loan Aggr. Balance $2,500-$14,999** |
30 |
| Loan Aggr. Balance $15,000-$29,999** |
40 |
| Loan Aggr. Balance $30,000-$44,999** |
50 |
| Loan Aggr. Balance $45,000+** |
60 |
| Credit Card |
50 |
| Online Banking - Active |
25 |
| E-Statements - Enrolled |
25 |
| Bill Pay - Enrolled |
25 |
| Valid E-Mail Address |
25 |
| E-Notice Subscription |
10 |
| E-Alert Subscription |
10 |
| Text Banking |
10 |
| Mobile App Banking |
10 |
| Courtesy Pay Opt-in |
10 |
| ACH with Deposits of at Least $1,000 Per Month |
50 |
| Loan Payments Via AFT - Active |
15 |
| Loan Payments Via ACH |
25 |
| Any Delinquent Loan |
-200 |
| Incorrect Address |
-200 |
Point Redemption
| Waive Sheet of Temporary Checks Fee |
200 |
| Waive Visa Gift Card Fee |
300 |
| Fax |
300 |
| Waive Cashier's Check Fee |
500 |
| Waive Money Order Fee |
500 |
| Waive Mailed Paper Statement Fee |
500 |
| Waive Incorrect Address Fee |
500 |
| Waive Returned Mail Fee |
500 |
| Waive Check Cashing Fee |
500 |
| Waive Statement Copy Fee |
600 |
| Waive Christmas Club Early Withdrawal Fee |
1,000 |
| Waive ACH On Demand Fee |
1,000 |
| Waive Incoming Domestic Wire Transfer Fee |
1,000 |
| Waive Debit or Credit Card Replacement Fee |
1,500 |
| Waive Late Loan Payment Fee |
2,500 |
| Waive Stop Payment Charge |
3,000 |
| Waive Outgoing Domestic Wire Transfer Fee |
3,000 |
| Courtesy Pay Fee Waiver |
3,200 |
| Waive Overdraft NSF Fee |
3,200 |
| A Box of FCU Branded Personal-Size Checks |
3,400 |
| Skip-a-Pay (One Per Year Max) |
3,675 |
| Increase Certificate Rate by 0.10% |
7,500 |
| Reduce Loan Rate by 0.25% |
7,500 |
| Increase Certificate Rate by 0.25% |
10,000 |
| Reduce Loan Rate by 0.50% |
10,000 |