SFCU Loyalty Rewards

	Loyalty Rewards
	Good Things Come To Those Who Participate!
Our Loyalty Rewards program is designed to reward those members who contribute to the cooperative spirit of the Credit Union with additional discounts and benefits. The more you participate (use the Credit Union’s programs,) the more you can benefit.	The Loyalty Rewards program has four levels. You can design your financial future based on your participation. If your financial services are spread across town or across the U.S., bring them home to your Credit Union and make us your primary financial institution. SFCU will	provide you with a lifetime of financial rewards. Your account will be reevaluated on the last day of each month to determine your Loyalty Rewards level for the following month. As your relationship with Summit FCU grows, so do your rewards!

Loyalty Rewards Levels and Rewards
*Relationship Level*
Requirement 1: Combined savings &/or loan balance of at least:	Classic $50	Silver $5,000	Gold $25,000	Platinum $50,000
Then Add --- The number of qualifying conditions needed from list at left.
Requirement 2: Checking Account (minimum 10 transactions/month) Direct Deposit by ACH or Payroll Deduction Debit Card (minimum 10 pinless debits/month) WEB-24 with eStatement Monthly Automatic Transfer Payment from Savings, Club, or Checking to a Summit FCU Loan Five Consecutive Years of Membership	2	3	4	5
*Rewards*
Free Checking
No Minimum Balance Required on Checking
Unlimited Checking Transactions
Checking Overdraft Protection from Savings			Fee-Free	Fee-Free
CALL-24 (24/7 touch-tone teller)
WEB-24 (online access)
Online Bill Pay
Free Online Check Images
Online Statements
Accel Financial Services
Free Counter Checks
No Wire-In Fee
Free Check Copies
Fee-Free Certified Checks
Fee-Free Cashier’s Checks (Payable to Members Only)
Fee-Free Statement Printouts
Fee-Free ATM/Debit Card Replacement
Loan Rate Discounts		0.25% APR	0.50% APR	0.75% APR
Fee-Free ATM Transactions (no SFCU fee at surcharging ATMs)
Free Money Market Account Checks
Free Check Printing (select styles)
Free MSR-assisted Phone Transfers
Free Stop Payments
“OOPS Forgiveness” - 1 waived NSF/Overdraft fee per year

	Identity Theft is a serious crime - Learn how to protect yourself
	We have included several links that you can use to learn how to prevent, detect and defend against ID theft. Learn the steps that you can take, and what to do in the event that you become a victim of the crime.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Excess Share Insurance - Private insurance for member savings in excess of $250,000 to $500,000

Federally insured by NCUA

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.