UBCCU's Member Rewards Program
The tables below show how your relationship level is determined. At the end of each month, your account is reassessed based upon the point matrix. Once your new relationship level is determined, your account is set accordingly for the next month. When you receive your statement at the end of the month, it will indicate your new relationship level in the upper right.
Point Matrix
Account |
|
Account Tenure |
Open <1 year |
+1 |
|
|
Open 1 to 3 years |
+2 |
|
|
Open 4 to 5 years |
+3 |
|
|
Open 5 to 10 years |
+5 |
| |
|
Open 10 to 15 years |
+10 |
| |
|
Open 15 to 20 years |
+15 |
|
|
Open 20 years or more |
+20 |
Share Accounts |
|
Aggregate Balance |
$0 to $2,500 |
0 |
| |
|
$2,501 to $10,000 |
+1 |
|
|
$10,001 to $50,000 |
+2 |
|
|
$50,001 to $100,000 |
+4 |
|
|
$100,001 and over |
+6 |
|
Share Accounts |
Checking |
+1 |
|
|
Christmas Club |
+1 |
|
|
Money Manager |
+2 |
|
|
Certificate of Deposit (See Note 1) |
+2 |
|
|
Individual Retirement Account |
+2 |
Loans |
|
Loan Types (See Note 5) |
Auto |
+1 |
|
|
Home Equity |
+2 |
|
|
Mortgage |
+3 |
|
|
Signature, Line of Credit, Other |
+1 |
Online / Electronic Services |
|
|
Direct Deposit (See Note 2) |
+3 |
| |
|
Active PAL Audio Banking User (See Note 3) |
+1 |
|
|
Active UBay@Home Internet Banking User (See Note 3) |
+1 |
|
|
MemberPay Bill Pay User |
+2 |
|
|
eStatements |
+5 |
Cards |
|
|
ATM Card (See Note 4) |
+1 |
|
|
Debit Card (See Note 4) |
+2 |
|
|
VISA Card (See Note 4) |
+2 |
Other |
|
|
Safe Deposit Box |
+1 |
|
Collections |
Foreclosure |
-10 |
|
|
Other Collection Issue (bankruptcy, repossession, etc.) |
-10 |
| |
|
|
|
Note 1 - For calculation of Certificates of Deposit (CDs) points, points will be awarded if any CDs exist on the account, regardless of the quantity of CDs.
Note 2 - Direct Deposit points will only be awarded if a direct deposit item has been received within 45 days. Effective 2/1/2012 - direct deposit point value increased from 1 to 3 points.
Note 3 - PAL and/or UBay@Home users are considered active if a successful login has occurred within 30 days.
Note 4 - For calculation of Card points, point value will be awarded if a card of stated type exist on or is attached to the account. Multiple cards of the same type will not increase the awarded points.
Note 5 - For calculation of loan points, the point value awarded will be awarded for each loan on an account, based upon the loan type.
|
Relationship Level
Relationship Level |
Low Point Value |
High Point Value |
Copper |
0 |
8 |
Silver |
9 |
16 |
Gold |
17 |
24 |
Platinum |
25 |
|
|
Back to Membership Rewards
|
