Receive Improved Benefits with Rewards Plus

Receive Improved Benefits with Rewards Plus

More ways to earn rewards

On April 1st, 2024, the Member Rewards program will transition to a new, improved program called Rewards Plus. With Rewards Plus, you’ll earn points for every account, loan and service you use with COPFCU. At the end of the month, your total points balance will determine your Rewards Plus status for the following month — Platinum, Gold, Silver or Basic.

Points accumulate and grow

But that’s not all. We’ve added a whole new level of benefits that are the “Plus” in Rewards Plus. The points you earn each month will accumulate for up to 36 months. As your points grow, you can redeem them for a variety of items like a box of free checks, to waive a loan skip-a-payment fee or even to refund an overdraft fee.

To learn more about how you earn points, the full benefits of each Rewards Plus status as well as what your points can be redeemed for, watch the videos below or view the accompanying guides.

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.

Rewards Plus Points Guide

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.

Video: Status Level Benfits

Status Benefits Guide

What can my points be used for? How do I redeem points?

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.

Points Redemption Guide

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.


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 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.