PlusPoints
Take advantage of our member rewards that can help you save money, earn more money, or both!
Perks You Can Count On
Our PlusPoints Member Rewards Program is designed to earn you redeemable reward points that you can use to enhance some A+FCU products. Here’s how you can earn points:
- Get 1 point for every $1 in interest paid on an A+FCU loan or A+FCU-maintained mortgage
- Get 1 point for every $1 in dividends earned on share accounts
- Earn 10 points for every signature-based transaction and earn 5 points for every PIN-based transaction using your A+FCU debit card with your Cash-Back Checking Account
- Get 100 points for every year of membership
- Get 100 points during your birthday month
- Additional points may be awarded for special promotions and campaigns
- Earn 100 points for every BalanceTrack module completed*
Redeem Your Points
Certificates
Increase the rate on a share or IRA certificate:
- Use 2,500 PlusPoints to increase dividend rate by 0.25%
- Maximum redemption value per eligible certificate is 2,500 PlusPoints
Loans
Lower the rate on select new loans:†
- Use 2,500 PlusPoints to save 0.25%
- Use 5,000 PlusPoints to save 0.50%
- Maximum redemption value per eligible loan is 5,000 PlusPoints
Things To Know
- Credited automatically by the tenth of each month or after each special promotion
- Can be transferred to the A+FCU membership of any immediate family member living within the same household
- Balances are available on monthly statements and can be viewed with your account details in A+ Online Banking or with the A+ Mobile App
- Capped at 25,000 points per member
*Members can earn up to 300 PlusPoints per month by completing Balance Track modules. Maximum of 100 PlusPoints per BalanceTrack module regardless of number of attempts.
†For consumer direct and collateralized (non-mortgage) loans. Credit cards, Signature Loan, Classroom Cash, Holiday Loans, Loyalty Line of Credit, Bridge Loans, HELOC, A+ Mortgage loans, student loans, Home Equity, and Home Improvement Loans are excluded from redemption.
PlusPoints Member Rewards is subject to change without notice. To participate, members cannot have any delinquent loans in excess of 30 days past due and must have par value in the Membership account. Associations and businesses are not eligible.
Find out about...
Rates & Resources
Make the most of your A+FCU membership with these resources to help you manage your accounts and better your finances.
Budgeting
Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.
Personal Finances
Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.
Related Articles
Protect Your Finances Checklist
‘Tis the season to be on high alert for fraud. Better protect your finances with these recommended steps and free services available to A+FCU members.
16 Months Of Financial Tips
Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.
Are Share Certificates Worth It?
When looking into ways to grow their money, many people wonder, “Are share certificates worth it?” Learn more about how share certificates can help you earn more on your savings.
Join The A+FCU Family
Joining is easy and comes not only with a wide variety of money-saving products tailored to fit your needs, but also exclusive member-only benefits.