POWER POINTS
REWARDS PROGRAM
Current as of 11/8/2013 and subject to change
We’re working for you.
Every member of SIU Credit Union is automatically enrolled in our FREE Power Points Rewards Program. This program allows our members to earn
points on their loan and deposit account balances and also for using SIU Credit Unions products and services.
Earn Monthly Points
Loan Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 point per $100
For all loans balances (excluding first mortgages and Visa balances)
Deposit Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 point per $200
For all checking, savings and certificate balances
Visa Ultimate Check Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 point per $2
For signature-based (non-PIN) purchases. Simply swipe and sign to earn points!
Home Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 points each month
Just log into home banking each month to earn
E-Statements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 points each month
Receive your monthly statement through online banking
Bill Pay. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 points each month
Bill pay is free provided you pay 1 bill per month on consumer accounts
Earn Power Points
New Membership. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 points
New Checking Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 500 points
New Consumer Loan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 500 points
New Visa Credit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 500 points
New Mortgage Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,000 points
New Money Market. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,500 points
Automatic Loan Payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 500 points
Check Order from Harland Clarke. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 250 points
Redeeming Power Points for SIU Credit Union Products and Services
Consumer Loan Rate Discount
0.25% Consumer Loan Rate Discount. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12,500 points
0.50% Consumer Loan Rate Discount. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25,000 points
Certificate Premium
0.10% Certificate Rate Increase (under $50,000). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000 points
0.05% Certificate Rate Increase (over $50,000). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000 points
Box of 120 SIU CU checks type WD-SFN . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,500 points
Redeeming Power Points for Gift Cards
Visa Gift Cards
$10.00 Visa Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,500 points
$25.00 Visa Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13,500 points
$50.00 Visa Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26,000 points
$75.00 Visa Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38,000 points
$100.00 Visa Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50,000 points
$200.00 Visa Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100,000 points
Federally Insured by NCUA
POWER POINTS
REWARDS PROGRAM
We’re working for you.
Current as of 11/8/2013 and subject to change
Merchant Gift Cards
$5.00 Merchant Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,000 points
Choices: Applebee’s, Best Buy, Darden Restaurants (Red Lobster, Olive Garden, Seasons 52), McDonald’s & Starbucks
$10.00 Merchant Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,800 points
Includes: Applebee’s, Best Buy, Darden Restaurants (Red Lobster, Olive Garden, Seasons 52), Dick’s Sporting Goods, JCPenney, Kroger,
Lowe’s Home Improvement, McDonald’s, Menards, O’Charley’s, Old Navy, Starbucks & Wal-Mart
$25.00 Merchant Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000 points
Choices: Applebee’s, Best Buy, Darden Restaurants (Red Lobster, Olive Garden, Seasons 52),Dick’s Sporting Goods, JCPenney, Kroger,
Lowe’s Home Improvement, McDonald’s, Menards, O’Charley’s, Old Navy, Starbucks & Wal-Mart
$50.00 Merchant Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30,000 points
Choices: Best Buy, Darden Restaurants (Red Lobster, Olive Garden, Seasons 52), Dick’s Sporting Goods, JCPenney, Kroger, Lowe’s
Home Improvement, Menards, O’Charley’s, Old Navy, Starbucks & Wal-Mart
$100.00 Merchant Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58,000 points
Choices: Best Buy, Darden Restaurants (Red Lobster, Olive Garden, Seasons 52), JCPenney, Kroger, Lowe’s Home Improvement,
O’Charley’s, Starbucks & Wal-Mart
Notes:
1. The maximum number of points that can be earned monthly is 500
for each single deposit account (I.e. certficate, savings, or checking) and
1,000 for each single loan (excluding first mortgages, business loans
and Visa balances). Points are computed using the account’s average
daily balance, calculated by adding the balance in the account at the end
of each day and divide by tht total number of days in the month. Power
Points awarded for your account and loan balances are calculated using
this method.
2. Power Points rate discounts are limited to one per loan regardless of
the level of discount - whether it’s .25% or .50%. Discounts may not be
used on mortgage loans. You are not able to apply a rate discount for a
loan that is already in existence. A change in rate would require a new
loan and loan contract.
3. Limit one premium on any particular certificate of deposit. A certificate
rollover is considered a new certificate; therefore Power Points may be
redeemed for another certificate premium.
4.
All gift cards are subject to availability. In the event you select a reward that is temporarily out of stock, SIU Credit Union will contact you with
the estimated time the reward will be available. Alternatively, you may redeem your points for another reward if the item you want is not available.
5. You may only redeem 220,000 points for gift cards (approximately a
$500 value) in a calendar year. This limitation exists so we can best comply with IRS regulations. You may redeem as many points as you want for
certificate premiums and loan discounts.
6. Power Points do not expire. As long as you are a member in good
standing with SIU Credit Union, you will be ale to redeem your Power
Points, regardless of when they were earned. We encourage members to
save their points to get bigger rewards.
Membership required. All loans subject to credit approval. Offer may end at
anytime without notice. Call 618-457-3595 for details.
Federally Insured by NCUA