My CU Club Rewards Program

Our My CU Club has been developed to reward members who take advantage of our services by making the Credit Union their primary, or only financial institution. You can find your My CU Club status in the header of your account statement.

When you use the Credit Union for your borrowing, saving, and checking needs, you help your Credit Union grow stronger. And a strong Credit Union means more and better service for members.

My CU Club Categories

Your My CU Club Rewards can be age-based or relationship-based. Our aged-based categories are based strictly on age and included the Kirby Kangaroo Club, the CU Succeed Club, and the Senior Club.

Our relationship-based rewards are based on the total number of Qualifying Services as well as the total of your Qualifying Balances. Relationship rewards club categories include:

  • Standard – One Qualifying Service & a Qualifying Balance of at least $500
  • Enhanced – Two Qualifying Services & a Qualifying Balance of at least $5,000
  • Partner – Three Qualifying Services & a Qualifying Balance of at least $15,000
  • Premier – Four Qualifying Services & a Qualifying Balance of at least $25,000

Once you reach Premier Club status, you are a Premier Club member for Life. Your CU Club status is assessed at the end of each month and printed on your statement.

My CU Club Rewards Program Benefits

Yes = Free   No = Low Fee Standard Enhanced Partner Premier

ID Theft Recovery Service Yes Yes Yes Yes
Check Cashing Yes Yes Yes Yes
CO-OP Shared Branch Transactions Yes Yes Yes Yes
Low Balance Inactive Account Fee Yes Yes Yes Yes
Money Order/Teller’s or Certified Check No   Yes1   Yes1 Yes
Membership Account Below $5 No Yes Yes Yes
Returned Third-Party NSF Checks No Yes Yes Yes
Check and Statement Copies Up to 10 copies of each per year No No Yes Yes
Excessive Research and Balancing Assistance No No Yes Yes
Assisted Transfers or Balance Inquiries No No Yes Yes
History Printout No No Yes Yes
ACH Origination (One-Time) No No No Yes
Over Five Non-Summit ATM Transactions in a Month No No No Yes
Non-Sufficient Funds Fee (Check or ACH Returned – excluding Overdraft Privilege) No No No Yes
Stop Payment By Check or ACH No No No Yes
Checking Printing No cost Senior Club checks also available No No No   Yes2
Counter Checks Maximum of eight checks No No No Yes
Cash or Deposit of Non-Member Third-Party Checks No No No Yes
Debit/Credit Card or PIN Replacement No No No Yes

1 One free per day   2 Available upon request


Qualifying Services

Qualifying Services are determined by how many unique Account Types you have. If you have multiple services of the same Account Type, they are treated as one Qualifying Service, but the total balance of all services in the Account Type is counted toward your club status.

Account Type Service
Membership or Other Savings Accounts

Membership Share Savings Account

Kirby Kangaroo Club Savings Account
Other Savings Accounts
Emergency Loan Savings Account
Credit Builder Special Savings Account

Christmas Club  
Money Market Regular Money Market Account
Investor Money Market Account
with Direct Deposit or eStatements
Free Checking Account
Debit Card Only Account
Certificate Regular Certificate Account
Jumbo Certificate Account
Individual Retirement Account (IRA) IRA Accumulator Account
Regular IRA Certificate Account
Jumbo IRA Certificate Account
Auto Loans New and Used Auto Loans
Motorcycle Loans New and Used Motorcycle Loans
Boat Loans New and Used Boat Loan
Recreational Vehicle Loans New and Used RV Loan
Personal Loans Signature Loan
Line of Credit Loan
Visa Credit Cards Visa Platinum
Visa Platinum Rewards
Share Secured Visa
Credit Builder Visa
Home Equity Line of Credit  
Fixed-Rate Home Equity Loan  
Secured Loans Savings Secured
Certificate Secured
Credit Builder Loans  
Emergency Loans  


As an example of how Qualifying Services work, consider that you have both a Membership Savings account and a Special Savings account. By examining the chart you see that these two services fall within the same Account Type and would therefore be counted as only one Qualifying Service. The same would be true for two auto loans or multiple Certificates. A Membership Savings and a Christmas Club, however, would count as two Qualifying Services because they are designated as separate Account Types.

Qualifying Balances

Your Qualifying Balance is the total of all your Summit deposits plus the total of all your Summit loan balances.

Please note that loans with payments over ten days past due will not be included in your Qualifying Balance.

Linking Accounts

Spouses or life partners residing at the same address may have their accounts linked so that the balances for both accounts will be combined to make the Qualifying Balance.

Just let us know which account you want linked to your primary account and we'll combine the balances from both accounts to determine your My CU Club category, but the Qualifying Services of the linked account are not able to be added. To have your accounts joined for My CU Club, download our printable form, fill it out, and mail it, fax it, or bring it in to your local branch.