My CU Club Rewards

Our My CU Club Rewards 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 and in Home Banking 24 and Mobile 24.

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.

Club Categories

My CU Clubs can be an age-based category or a relationship category. Your club designations are assessed at the end of each month and printed on your statement.

Age-Based Category

Age-based categories are Kids Club, Youth Club, and Senior Club.

• Kids Club - Ages 0-12
• Youth Club - Ages 13-22
• Senior Club - Ages 55+

Relationship Category

Relationship categories are based on the total number of Qualifying Services a member has, combined with that same member's total Qualifying Balance.

Once you become a Premier Club member, you remain in the Premier Club for life.

Relationship-Based Benefits

= Free    = Low Fee	Standard Club	Enhanced Club	Partner Club	Premier Club
ID Theft Recovery Service
Check Cashing
CO-OP Shared Branch Transactions
Low Balance Inactive Account Fee
Teller/Certified Check		1	1
Membership Account Below $5
Returned Third-Party NSF Checks
Check and Statement Copies Up to 10 copies of each per year
Excessive Research and Balancing Assistance
Assisted Transfers or Balance Inquiries
History Printout
ACH Origination (One-Time)
Over Five Non-Summit ATM Transactions in a Month
Non-Sufficient Funds Fee (Check or ACH Returned – excluding Overdraft Privilege)
Stop Payment By Check or ACH
Checking Printing No cost Senior Club checks also available				2
Counter Checks Maximum of eight checks
Cash or Deposit of Non-Member Third-Party Checks
Debit/Credit Card or PIN Replacement
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 combined balance from all accounts is considered when determining your relationship category.

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.