Royalty Rewards
The more you use TCU,
The more you will get!
Benefits at each level:
Emerald Level 50-124 points:
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Free checking regardless of balance
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Free check cashing
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Free printed statement styles
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Free transaction printout up to 2 weeks.
Sapphire Level 125-174 points
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All Emerald Level benefits plus
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0.25 % loan rebate* paid to savings monthly
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Discounted bill pay ($0.50 per transaction
Diamond Level 175+ points
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All Emerald & Sapphire Level benefits plus
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0.50% loan rebate* paid to savings monthly
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Free bill pay
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Free overdraft transfers from shares
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Free cashier's checks (must be over $3,000)
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Free money orders (less then $3,000)
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Free Account to Account (A2A) transfers
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Free Secure Checking
*Mortgages, HELOCS, commercial loans, revolving loans, credit cards, and specialty loans are not included
effective June 1, 2023.
How do I get points?
You can earn points by using our products and services. Points are evaluated on the 1st of each month based on what you used the prior month.
Primary Financial Institution Relationship
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1pt- Every Year of membership after 1 year (max 31 points)
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15pts- Secure Checking account
Savings Relationship
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10pts-having an Additional Savings Product
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15pts-having an IRA
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15pts- having a CD
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15pts- having a Gold Saver account
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-25pts having a savings account with a negative balance
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5pts - having aggregate balance of $500-$1,999
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10pts - having an aggregate balance of $2,000-$9,999
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15pts - having an aggregate balance of $10,000-&49,999
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20pts having an aggregate balance of $50,000+
Loan Relationship
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30pts - having a home equity loan
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10pts - having any other loan
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5 pts - aggregate loan balance up to $999
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10pts- aggregate loan balance of $1,000-$24,999
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20pts - aggregate loan balance of $25,000-$49,999
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30pts -aggregate loan balance of $50,000- $74,999
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40pts - aggregate loan balance of $75,000+
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20 pts Mortgage with MFM
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5pts Credit Card Transactions up to 1
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10pts Credit card transaction of 2-24
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15pts Credit card transactions of 25-49
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20pts Credit card transactions of 50+
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-150 pts any loan at delinquency of 30+days
Self Service Relationship
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10pts- ATM/POS pin-based activity
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5pts - 1-25 Debit/Signature Transactions
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10pts - 26-49 Debit/Signature Transactions
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15 pts -50-99 Debit/Signature Transactions
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20pts 100+ Debit/Signature Transactions
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20 pts - having a Complete Credit Card
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10pts - utilizing the CU Talk telephone banking
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25pts - having an active ItsMe247 online banking account
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25pts - having active e-statements
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30pts - having active CU Easy Pay Bill Payment
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5pts - having a valid Email address on file
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5pts - subscribing to E-Notices
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5pts- subscribing to E-Alerts
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10pts- enrolled in mobile text banking
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25pts- utilizing mobile web banking with the TCU App
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-10pts- having a wrong address on file with TCU
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5pts - Regulation E opt-in.
Member-Elected Deposit Relationship
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20pts - Payroll deposits of at least $500/month
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20pts - ACH deposits of at least $500/month
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10pts -active transfers via AFT of any time
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15pts- active loan payments via AFT
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15pts - active loan payments via ACH
Get in Touch
Are you unsure of your level or what you'd like to discuss with someone regarding maximizing your Royalty Rewards?
Connect with us through the contact form, or call and speak with a member's services representative.
Call or Text