Loyalty Rewards

Loyal members deserve more.

Our Loyalty Rewards program is designed to do just that – reward our loyal members! The more you use our products and services, the more rewards you can earn.

There are two ways to earn rewards: Loyalty Card Rewards and Loyalty Relationship Rewards. While each program works on its own, you'll unlock even greater rewards when you combine them.

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Loyalty Rewards Card logo
Loyalty Rewards Card
Automatically earn points for every dollar spent with Loyalty Card Rewards.

  • Visa Signature Rewards Credit cardholders earn 1.5% for all purchases or 2% when combined with Loyalty Relationship Rewards.1

  • Visa Rewards Debit or Business Debit cardholders earn 0.25% for all signature-based purchases.1 Only signature-based purchases earn points, so make sure to sign on every transaction, rather than using a PIN. If you are prompted for a PIN, simply request to run it as credit.

Loyalty Rewards Relationship logo
Loyalty Rewards Relationship
Enjoy even greater perks with Loyalty Relationship Rewards. You are automatically enrolled when you meet one of the eligibility criteria below.
 

Eligibility:2

  • Checking account with direct deposit and $45,000 or more in combined loan and deposit balances

  • Checking account with direct deposit and 45 or more monthly combined debit and credit card transactions

  • Teens and young adults ages 14 - 23 years old automatically qualify

Perks:

  • Earn 0.50% credit card bonus points on purchases1

  • Multi-product rewards bonus3

  • Service fee waivers4

  • Point-based fee rebates5

  • Program activation rewards6

  • Anniversary rewards7

  • Digital Banking rewards8

Loyalty Rewards Card logo
Rewards Redemption
All reward points are combined for easy redemption in the Loyalty Rewards Portal. Log into Digital Banking and navigate to the Loyalty Rewards menu to redeem your points for:

  • Pay with Points Learn More

  • Cash back

  • Gift cards

  • Travel

  • Credit Union product rebates9


1. Must have High Yield Checking Account to qualify for a Rewards Debit Card. Business debit and credit cards are not eligible for rewards. Requirements and rewards subject to change without notice. Click for more details. This replaces all previous rewards programs. For additional assistance with Loyalty Rewards, you may contact member service 24/7 at 877-591-2327.
2. Relationship Rewards eligibility: This program is for consumer accounts only. Business accounts, trust accounts, and estate accounts are excluded. Eligibility is determined at the end of each month and is at the account level. Multiple accounts cannot be combined for program eligibility. Balances include the combined total of the average daily balance for all deposit accounts and the month-end balance for all loan accounts. Card transactions include both debit and credit card transactions. ATM transactions are excluded. Direct deposit must equal $500 or more cumulatively per month. Direct deposit must be to a Y-12 Credit Union checking account and consist of an ACH deposit of wages, pension, and/or Social Security benefits. Transfers of funds, P2P payments, and mobile deposits do not qualify.
3. Multi-product rewards bonus: Receive 100 bonus points each month that you meet the multi-product requirement. Requires two or more loans or credit cards. Loan products must have a balance. Credit cards must have at least one transaction per month. Business loans are excluded.
4. Service fee waivers: Receive waivers for the following fees: card replacement, express card delivery, domestic wires, and account research.
5. Point-based fee refunds: Automatically receive points equal to the fee amount when you incur the following fees: monthly account maintenance fees, paper statement fees, and ATM fees. ATM surcharge fees charged by other financial institutions are not eligible for rebate points. Excludes Opportunity Checking Account fees. Refund points are calculated at month-end and posted at the beginning of the following month after the fee is incurred.
6. Program activation rewards: Receive 1,000 bonus points the first time you log into the Loyalty Rewards portal. New users only.
7. Anniversary rewards: Receive 500 bonus points annually on your membership anniversary date (based on the open date of your membership account). Points will be calculated at the end of the anniversary month and posted at the beginning of the following month.
8. Digital Banking rewards: Earn 20 bonus points each month for logging into the Digital Banking app.
9. Qualifying share certificate or loan: Requires a $5,000 minimum opening balance and a minimum one-year term. Visa credit cards and unsecured lines of credit are not eligible for cash-back rewards. Qualifying Credit Union product include GAP, Warranty, Mountain Valley Insurance home, or Mountain Valley Insurance auto policies.