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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

+0

 

 

Open 1 to 3 years

+1

 

 

Open 4 to 5 years

+2

 

 

Open 5 to 10 years

+5

   

Open 10 to 15 years

+6

   

Open 15 to 20 years

+8

 

 

Open 20 years or more

+10

Share Accounts

 

Aggregate Balance

$0 to $2,500

0

   

$2,501 to $10,000

+1

 

 

$10,001 to $50,000

+4

 

 

$50,001 to $100,000

+8

 

 

$100,001 and over

+10

 

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/Consumer - $1,000 to $4,999

+2

 

 

Auto/Consumer - $5,000 to $10,000

+3

 

 

Auto/Consumer - $10,001 to $15,000

+5

 

 

Auto/Consumer - $15,001 to $20,000

+6

 

 

Auto/Consumer - $20,001 and over

+8

   

HELOC

+2

   

Mortgage (See note 6)

+3

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 and balance.
Note 6 - Mortgage points are assigned for mortgages owned or invested in by UBCCU. Secondary market mortgages, although serviced by UBCCU, are not eligible.

Relationship Level

Relationship Level
Low Point Value
High Point Value

Copper

0

10

Silver

11

16

Gold

17

24

Platinum

25

 

 

 

Back to Membership Rewards

Relationship Pricing Brochure (Eff. 11/24/2012)

 


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

 
      
     

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