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UBCCU's Member Rewards Program

This program starts November 1, 2011
Updated November 24, 2012

We know that you have many choices when it comes to choosing a financial institution, so we want to thank you for choosing us!

United Bay Community Credit Union would like to reward our members who are loyal and use the variety of products and services that we offer. To show our appreciation we have developed our Member Rewards Program. UBCCU has given each product and service a point value. The more products and services that you use, the more points you will receive. Each member's total points will be determined on a monthly basis. The total of all your points will place you in one of the following categories: Copper, Silver, Gold or Platinum. Your level determines what rewards you will receive for that given month. To determine how you can move to a higher level, please review the products and services that you are currently using and see if there are additional products or services that could help you move to a higher rewards level.

Services such as e-statements and Direct Deposit are two services that we give you points for that actually make your life easier for you. It saves you from not worrying about when your paycheck will be credited to your account, or have the ease of balancing your statement within the first couple days of the month before you would have received it in the mail. Our new Rewards Program is effective November 1, 2011. The table below shows the benefits received with the different relationship levels.

Starting with your October statement, your rewards level for the current month will be located directly below the message section.

If you have any questions, please contact a Credit Union Representative today at 989-892-4597.

MEMBER REWARDS - RELATIONSHIP LEVEL BENEFITS

Item
Copper
Silver
Gold
Platinum

Loan Rates (see Note 4)

No Rate Reduction

No Rate Reduction

Reduce qualifying rate by 0.25%

Reduce qualifying rate by 0.25%

Share Certificate Rates (See Note 6)

No Rate Increase

No Rate Increase

Increase rate by 0.05%

Increase rate by 0.10%

Corporate Check Fee - per check

$1.00

$0.75

$0.50

Free

Money Order Fee - per money order

$1.00

$1.00

$0.50

Free

Stop Payment Fee - per item stopped

$27.00

$25.00

$23.00

$20.00

Non-Sufficient Funds (NSF)/Courtesy Pay - per item

$30.00

$29

$28.00

$27.00

Returned Check Fee - per check

$7.50

$5.00

$3.50

Free

Daily Negative Fee (See Note 7)

$5.00

$5.00

$5.00

$5.00

Account Maintenance Fee (See Note 8)

$10.00

$10.00

$10.00

$10.00

Notary - per document

$5.00

$4.00

$2.00

Free

Check Cashing Fee - per check (see Note 3)

$2.50

$2.00

Free

Free

Paper Statement Fee - per statement (see Note 1)

$3.00

$2.50

2.00

$1.50

Starter Checks - per page (See Note 2)

$2.00

$1.50

$1.00

Free

Retiree Check Orders (See Note 9)

$2.00 credit

$5.00 credit

$7.00 credit

$10.00 credit

Travelers Cahecks - per pack

$2.00

$1.00

$0.50

Free

Christmas Club Early Withdrawal - per transaction (See Note 5)

$15.00

$10.00

$10.00

1 free per year

$10.00

2 free per year

Wire Transfers - per transfer
- Credit Union to Credit Union
- Domestic - In Person
- Domestic – By Phone
- International – In Person
- International - By Phone


Free
$15.00
$25.00
$25.00
$35.00


Free
$10.00
$20.00
$25.00
$35.00


Free
$10.00
$20.00
$25.00
$35.00


Free
$8.50
$17.50
$25.00
$35.00

Telephone Transfers - per transfer (use of the Phone Access Line PAL is free)

$2.00

$1.00

Free

Free

Verification of Deposit - per verification

$3.00

$2.00

$1.00

Free

Gift Cards - per card

$3.00

$2.50

$2.00

$1.00

Foreign ATM Withdrawals

First 4 per month free

$1.00 per transaction over 4

First 6 per month free

$1.00 per transaction over 6

First 8 per month free

$1.00 per transaction over 8

First 10 per month free

$1.00 per transaction over 10

Note 1 - Paper statement fee applies for accounts receiving a printed paper statement via the U.S. Mail. Members under age 21 and over age 65 will be excluded from the fee.
Note 2 - Starter checks will be provided, free of charge, if requested when opening a new checking account.
Note 3 - Check cashing fee will be waived for accounts whose primary member is under 21 years of age.
Note 4 - Loan rate adjustments are not applicable to real estate loans (mortgages, home equities, home equity line of credit) or credit cards.
Note 5 - Christmas Club withdrawals are counted from October 1st through September 30th for each year, to correspond with the maturity payout of the account.
Note 6 - Share rate adjustments apply only to Certificate of Deposit (CD) dividend rates and is determined at the time of opening or renewing of a CD. The applies to both traditional CDs and Individual Retirement Account (IRA) CDs.
Note 7 - Daily negative fee is assessed to any Share account with a balance less than $0.00, each day that the account balance remains less than $0.00.
Note 8 - Account Maintenance fee is assessed to each account that has an aggregate balance (total balance of all Shares, Loans, and Credit Cards) that is less than or equal to $300.00. Members under age 21 and over age 65 will be excluded from this fee.
Note 9 - Retiree check credits will be issued for members 65 years of age and older, with direct deposit. Full amount of the check order will be withdrawn by supplier; CU will deposit credit to account.

All new and existing members will be automatically enrolled into the program

 

How is my relationship level calculated?

Relationship levels are calculated using a point system. At the end of each month, your points will be tallied and your relationship level will be set accordingly.

Click here view the point matrix.

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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