Loyalty Rewards

Our Loyalty Rewards program is designed to do just that - reward our loyal members! The more you use Y-12 FCU products and services, the more rewards you can earn.

There are two components to the Loyalty Rewards program: Loyalty Card Rewards and Loyalty Relationship Rewards. Each works independently, but you receive the most value by combining them to work together.

For your convenience, all points are combined in the Loyalty Rewards portal. You may access this through Online Banking and our Mobile App. Look for Loyalty Rewards in the menu. 


Learn more about Loyalty Rewards

Loyalty Rewards Relationship

Our most loyal members can earn even more rewards through our Loyalty Relationship Rewards. If you meet either criteria below, you are automatically enrolled.


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


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

Relationship Perks
Loyalty Relationship Rewards members receive the following additional benefits:

  • Earn 0.50% credit card bonus points on purchases
  • Multi-product rewards bonus
  • Service fee waivers
  • Point based fee rebates
  • Program activation rewards
  • Anniversary rewards
  • Mobile banking rewards


Loyalty Rewards Card

Our loyal card members will automatically earn points for every dollar spent with Loyalty Card Rewards*. There are no eligibility requirements for Loyalty Card Rewards. You will earn 1.5% for all purchases when you use your VISA Signature Credit Card, or 2% when combined with Loyalty Relationship Rewards.

*Must have High Yield Checking Account to qualify for a Reward 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.


Reward Redemption

You can receive even more value from your reward points by redeeming them for cash rebates on Y-12 FCU products and services.

All reward points are combined for easy redemption in our Loyalty Rewards Portal. Points may be easily redeemed for:

  • Cash back
  • Gift cards
  • Travel
  • Credit union product rebates

*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: Includes GAP, Warranty, 7 Insurance home, or 7 Insurance auto policies.