Maximize Your Membership with Rewards Plus

Maximize Your Membership with Rewards Plus

Your Membership Comes With More.

Unlock loan discounts, savings bonuses, and exclusive perks just by being a COPFCU member!

Being a COPFCU member has its perks! You’re automatically enrolled in Rewards Plus, our member benefits program that rewards you for the way you bank with us. The more you use COPFCU, the more benefits you can unlock.

No enrollment required. Your membership already includes Rewards Plus!

Explore Your Benefits
Check Your Status

More Ways to Save With Rewards Plus

Your COPFCU membership comes with valuable perks designed to help you save more, earn more and get more out of everyday banking.

Loan Discounts

Save with rate rebates on eligible personal and vehicle loans.

Deposit Bonuses

Earn additional interest on eligible certificates and money market accounts.

Fee Savings

Enjoy reduced or waived fees on select COPFCU products and services.

Exclusive Perks

Access special offers and redeem your accumulated points for additional rewards.

The More You Bank, the More You Benefit

Rewards Plus has four status levels: Basic, Silver, Gold and Platinum. Your monthly banking activity determines your status, and the more points you earn, the more benefits you can unlock.

Your Benefits Basic 0–299 Points Silver 300–399 Points Gold 400–499 Points Platinum 500+ Points
Personal & Vehicle Loan Rebate* — 0.10% 0.25% 0.50%
Certificate & Money Market Bonus* — 0.05% 0.15% 0.25%
Free ATM Transactions 6 8 10 15
Automated Transfer Fee — — Free Free
Online / Mobile / Text Banking Free Free Free Free
Bill Pay Free Free Free Free
Notary Service Free Free Free Free
Early Pay – Direct Deposit Up to 2 Days Early Free Free Free Free

Points are earned on a monthly basis and will accumulate on a rolling 36-month basis.
Rewards Plus status is determined on the first of each month based on the previous month’s qualifying activity.
*Rate rebates and deposit bonuses are applied to eligible loans and accounts at the end of the month.
Additional program terms and conditions apply.

View the Full Status Benefits Guide

Your Points. Your Rewards.

Your Rewards Plus points can do more than you think. Redeem your accumulated points for a free box of checks, fee waivers, refunding an overdraft fee and more.

2,500 points

COPFCU Logo Item

3,000 points

Overdraft Fee Refund

5,000 points

Skip-a-Pay Fee Waiver

5,000 points

Unsecured Loan Application Fee Waiver

There’s more where that came from! Explore additional ways to redeem your points for eligible COPFCU products and services.

View the Full Points Redemption Guide

Redemption options are subject to eligibility and program terms. Points accumulate on a rolling 36-month basis.

Everyday Banking Adds Up!

You could be earning Rewards Plus points just by doing the things you already do with COPFCU! From using Mobile Banking to enrolling in eStatements and making deposits, everyday activities can help you unlock more benefits.

Enrolled in eStatements
50 points
Payroll Deposit of $1,000+
50 points
ACH Deposit of $1,000+
50 points
Active Mobile Banking User
25 points
Active Online Banking User
25 points
Valid Email Address
25 points
Enrolled in eAlerts
10 points
Enrolled in eNotices
10 points

View the Full Rewards Plus Points Guide

Rewards Plus How-To Videos

Get to know Rewards Plus with these quick tutorials designed to help you find your status, explore your benefits and get more from your membership.

FAQs

How do I earn points?

You earn points for every account, loan, and service you use as well as your activity during the month like having direct deposit or the number of debit or credit card purchases you make. Review the Rewards Plus Points Guide for full details on how to earn points.

What are the benefits of each status?

Each Rewards Plus status — Platinum, Gold, Silver and Basic — features unique benefits that can include loan rate rebates, deposit rate bonuses, waived fees and more. Watch the short video on status level benefits and review the Status Benefits Guide for details.

Where can I see my status and available points?

You can see your current status level (Platinum, Gold, Silver or Basic) and your total available points inside Online and Mobile Banking.

In Online Banking, click Rewards Plus in the Quick Access menu in the top left corner.

In Mobile Banking, click More in the bottom right corner then click Rewards Plus.

If status level is based on the points I earn, why is my status level higher than the points I actually earned?

If your status level (Platinum, Gold or Silver) is higher than the points you actually earned in a given month, this is normally because your membership is householded. With householding, memberships that share the same physical address are put into one household. With Rewards Plus, the membership that earns the highest number of points and therefore the highest status level will share that status with all other memberships in that household. It’s just one more way we give back to our members and their families.

It’s important to note that even though the status level will be shared with all the memberships under a single household, the points earned and accumulated for a membership are based on that membership’s accounts, loans and activity.

How do I check my points?

Checking your current and total points balance is easy. This information is available in both Online and Mobile Banking.

What can my points be used for?

The points you earn can be redeemed for a wide array of items including COPFCU logo items, to waive loan application fees, refund wire transfer fees or overdraft fees and more. Review the Rewards Plus Point Redemption Guide to learn the specifics.

Points can be redeemed in Online and Mobile banking by clicking Redeem Points or by contacting us.

How do I redeem my points?

You can redeem your points a few different ways:

 – Online Banking:  Log into Online Banking and select Redeem Points from the Quick Access menu in the top left corner. Follow the prompts to submit your redemption request.

 – Mobile Banking:  Log into Mobile Banking and click More in the bottom right corner. Next, click Redeem Points and follow the prompts to submit your redemption.

 – Contact Us:  Contact us at 1-800-810-0221 to speak with a support center representative.

Do points expire?

Your Rewards Plus points will accrue for a rolling 36 months. Points earned in a given month will expire at the 37th month. You can view the points set to expire by checking your Rewards Plus status and points in both Online and Mobile Banking.