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Rewards Program

  • Loan Reduction Rewards

    Ready for a Lower Rate?

    rewards program badge
    We appreciate our loyal members, which means we want to reward them for their commitment to AFFCU, and their investment in the credit union as a member-owner. That’s why we offer our rewards program.

    Each of the items below lets you earn points towards a rate reduction. You can combine them for a maximum of 50 basis points reduced from your loan1.

    Here’s How it Works

    • Current or new members who have an open checking account with a positive balance as of the date of the loan AND has direct deposit going into that checking, money market or savings account qualifies for a – 10 basis points rate reduction reward.
    • Current or new members who have 3 or more loans with AFFCU (including the new loan) qualify for a – 15 basis points rate reduction reward.
    • Rewards pricing discounts may include the following:
    • Active Duty OR Department of Defense personnel assigned to all components controlled by Joint Base San Antonio, Laughlin AFB in Del Rio, TX or Columbus AFB in Columbus, MS – 10 basis points rate reduction reward.

    Apply today!

    1 Loan products that are not eligible for the rate reduction program are: Credit Card, Home Improvement, Home Equity, First Mortgage, Max Mortgage ARM, Purchase Money Second, Share Secured, Share Certificate Secured, and Line of Credit.
  • Share Certificate Rewards

    Bonus Reward

    rewards program badgeGet better rates on your share certificates today and do it the easy way.
    It’s simple—the more services you have with AFFCU, the better your rate will be.

    Each of the items below lets you earn points on top of your rate. You can combine them for a maximum of 20 basis points added to your share certificate1.

    Here’s How it Works

    • If you have an AFFCU loan AND either a checking or money market account with direct deposit – 20 basis point bonus reward2.
    • If you have an AFFCU loan OR either a checking or money market account with direct deposit – 10 basis point bonus reward2.
    • Active Duty OR Department of Defense personnel assigned to all components controlled by Joint Base San Antonio, Laughlin AFB in Del Rio, TX or Columbus AFB in Columbus, MS – 10 basis points rate bonus reward2.

    So take advantage of your AFFCU membership now. Get better share certificate rates and earnings today!

    Open your account and start earning money!

     

    1 Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Other restrictions may apply.
    2 Only applied at the time of opening the certificate.

How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Sounds good! Are you more interested in a lump sum or a line of credit?
        • Lump sum
          • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
        • Line of credit
          • Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
    • I’m mostly interested in a credit card
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.