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Strong, long-term relationships pay off for all of us!

We love helping members succeed financially and in their life pursuits, and we really believe in the power of the financial tools we offer.

When you invest in Blue by allowing us to safeguard and invest your money in different ways over many years, you give us more financial power to earn money on your behalf. The beauty of Blue and our model is that we give those earnings back to you, in the form of the great rates, Doing Good in our communities, and our Rewards for Life program.


How it works

Our Rewards For Life program pays you more based on your participation in the credit union and your years of membership.


The formula

 

  • Tally your rewards score

    Length of Relationship        
    Years of Membership 0-5 years 5-15 years 15+ years  
    Points Available 1 point 2 points 3 points
    Product Points Points Available
    Any Checking 1
    Any Investments at Blue Account 1
    Any Money Market 1
    Any Term Share 1
    Any IRA  1
    Any 1st Mortgage / Bridge Loan 1
    Any 2nd Mortgage / HELOC/ Finish Line 1
    Any Auto / RV / Other Secured 1
    Any Unsecured Loan / Line of Credit 1
    Any Credit Card 1
    Combined Relationship Balance 1        
    Combined Balances <$5k $5k - $25k $25k - $75k >$75k
    Points Available 0 points 1 point 2 points 3 points

    Points:

    1 Relationship Balances: Investments at Blue balances are not included in relationship balances. 1st mortgages and bridge loans are not included in relationship balances.

    2 Benefits: Consumer loan rate discounts apply to auto, ATV, motorcycle and recreation vehicles.

    Rewards do not apply in combination with promotional rate.

    Annual Percentage Yield. ** Annual Percentage Rate. Rates are subject to change.

The point system

  • See a list of program rewards

      Silver Icon

    Silver
    Gold icon

    Gold
    sapphire

    Sapphire
     
    0-5 points
    6-8 points
    9+ points
    Consumer Loan Rate Discount2 None - 0.25% - .50% APR**
    Extreme Checking Rate
    (up to $15,000)
    2.00% 3.00% 4.00% APY*
    Term Share Rate Bonus None + 0.25% + 0.50% APY*
    Paper Statement Fee $2/per Free Free
    IRA Annual Fee $10 Free Free
    Official Check $3 Free Free
    Coin / Coin Machine 3% Free Free
    Domestic Wire Fee (outgoing) $25 $25 Free
    Incoming Wire Fee $5 $5 Free
    Safe Deposit Box See fee schedule
    Credit Card Reward Points Coming Soon!
           

     

    Points:

    1 Relationship Balances: Investments at Blue balances are not included in relationship balances. 1st mortgages and bridge loans are not included in relationship balances.

    2 Benefits: Consumer loan rate discounts apply to auto, ATV, motorcycle and recreation vehicles.

    Rewards do not apply in combination with promotional rate.

    * Annual Percentage Yield. ** Annual Percentage Rate.  Rates are subject to change.

The benefits

We offer different member benefits, including special interest rates and free services, based on your Rewards for Life membership level. 


FAQ

  • How often is my rewards status updated?

    Your Rewards for Life status is updated on a nightly basis. So, if you open a new product or increase your balance to move you to the next rewards level, this will be updated automatically.

  • How do I begin earning the benefits of my rewards status?

    Some existing product benefits are automatically calculated for you, while others are implemented once you obtain a new product or service.


    Existing Product Benefits

    • Extreme Checking - If you have an Extreme Checking account, your dividend rate will be automatically calculated each month depending on your tier. So, if you're a Sapphire member, you will earn 4.00% APY*, if you're Gold tier member, you will earn 3.00% APY* and so on.

    Depending on your reward tier, your benefit will be automatically calculated at the time of service on the following items:

    • Check Cashing (>$100)
    • IRA Annual Fee
    • Official Check
    • Coin/Coin Machine
    • Domestic Wire Fee (outgoing)

    New Product Benefits

    Rewards also extend to members when they obtain new products and services from Blue. Depending on your reward tier, your benefit will be calculated at the time of opening of the following new products and services:

    If you have any questions on how to maximize your rewards, please contact us at 1-800-368-9328 or by clicking here.

  • How is a joint holder’s reward status calculated?

    Joint account holders do not share the rewards status of the primary account holder that they are joint on. Our Rewards for Life program is calculated around the individual account owner. If you are a joint account holder on someone else’s account AND have a primary account of your own, you will only share points on products you are joint on, as long as they are not the same product type as your personal account. You will also receive points for your personal account and years of membership. 

  • Do my children share the same rewards status as my account?

    No. Children or youth accounts will calculate the Rewards points for their accounts only, they do not get credit for their parent’s personal accounts.

  • How can I earn more points?

    We are eager to earn your business and help you reach your financial goals with our competitive products and services. You can earn additional points to increase your Rewards for Life status by utilizing certain products. Click here to learn how you can gain more points!

  • Can I receive extra points for multiple accounts of the same product type?

    No. Only one point is awarded per product type. So if you have an Extreme Checking and a Basic Checking account that you are primary on, you will only receive one point because they are both checking accounts.

  • What is a combined relationship balance and how can it help me earn more points?

    Your combined relationship balance earns you more points towards your rewards level. This is calculated by taking your total share accounts (savings, checking, term shares, money markets, etc.) and your total loan balances (auto loan, credit card, etc.) and adding them together. So, if you have a total of $9,500 in your share accounts and owe $19,200 in loans with Blue, your combined relationships balance would be $28,700 which would earn you 2 points!

    Investments at Blue balances and First Mortgage balances are NOT included in combined relationship balances.