With Gem Select Rewards, members receive points for a variety of products and services as a way of thanking you for your loyalty. Enjoy unparalleled privileges by accumulating points for services such as loans, savings and other services offered, like online or mobile banking, ATM deposits, direct deposit, debit card usage and much more. Use more services and earn more points. Best of all, as a member you are automatically enrolled in this new and exciting program.

GEM SELECT PERKS

Sapphire

0-999 Points

Emerald

1,000-9,999 Points

Diamond

10,000+ Points

Free Debit Card

Free Nationwide Network of 30,000 ATMs

Free Online Banking

Free Savings

Mobile Banking

Referral Rewards

Special promotional points for new loans

Advance notice of special events

Free Checking

Free Online Bill Pay

Notary Services Fee Waived

Anniversary Gift

Dedicated phone line

Dedicated teller line

Fee Waived for non co-op ATM usage

Free box of checks (1 per year)

Free Cashier’s Check and 3 Money Orders a month

Higher Rates on Published CD Rates

$100 Annual Credit for Misc. Bank Fees (Credit Union Fees)

  • Stop Payments (3 per year)

  • Skip-A-Pay Program on a Loan*

*Not applicable for mortgage loans. Points accumulated reset annually. Benefits are subject to change at anytime at the discretion of Central Cost Federal Credit Union without notice.

Points Accumulation

PRODUCT

POINTS

Mortgage Balance

$0 - $50,000

100

$50,000 - $149,999

500

>= $150,000

1000


Loan Balance

$0 - $5,000

50

$5,000 - $24,999

100

$25,000 - $49,999

250

$50,000 - $74,999

400

>= $75,000

500


Share Balance

$0 - $2,500

0

$2,500 - $9,999

50

$10,000 - $99,999

50

>= $100,000

500


e-Services

Online Banking

50

Bill Pay Usage

20

e-Statement

75


Deposits

ATM Deposits

25 each

Mobile Deposits

50 each

Direct Deposit*

50


Debit Card Usage

0-9 Transactions

0

10+ Transactions

50


Loyalty

7+ Years

4000

3-6 Years

500

New Accounts

2500

1-2 Years

0


Fees

Courtesy Pay

75 each

NSF

75 each

*Manually posted ACH deposits does not qualify for direct deposit points.

Know Your Points

You can find your points in every statement, everyday logging in to your Online Banking, and soon with an interactive tool available in this page.

Member Status: Displays your current GEM Select Tier.

Status Expires: Shows you when the GEM Select Tier will expire. You have until this date to accumulate more points to keep your category. Moving up occurs every month.

Last Month Points: Displays points for the previous month.

Points YTD: Displays points accumulated through the year.

Online Banking

Statement