Membership Rewards

Enjoy exclusive perks, discounts, and benefits designed just for our members.

Beginning December 1st, 2025

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 SCCU Mobile App or under Member Services in online banking.

Membership Rewards Tiers
 

Access

0-199

Plus

200-299

Premier

300-399

Elite

400+
Free Mobile Check Deposits ✓ ✓ ✓ ✓
Free E-Statements ✓ ✓ ✓ ✓
Free First Box of CU
Designated Style Checks		 ✓ ✓ ✓ ✓
Free Text Banking ✓ ✓ ✓ ✓
Free Notary Services ✓ ✓ ✓ ✓
Free Financial Counseling ✓ ✓ ✓ ✓
Free Coin Counting ✓ ✓ ✓ ✓
Free Bill Pay with E-Statements ✓ ✓ ✓ ✓
Free Check Cashing   ✓ ✓ ✓
Free Transaction History Printouts   ✓ ✓ ✓
Free Fax     ✓ ✓
Free Money Orders     ✓ ✓
Free Cashier's Checks       ✓
Free Domestic Wire Transfers       ✓
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

*Points will expire on the last day of the month, 24 months after issuance. The Membership Rewards program is available only to personal accounts. Business accounts are not eligible to earn or redeem Membership Rewards points.

**Consumer loans only. Mortgage, HELOC, and second mortgage (fixed equity) loans are excluded.

Point Redemption
Waive Sheet of Temporary Checks Fee 200
Waive 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