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Member Rewards

It pays to be a HEFCU member!  With the HEFCU Rewards program, the more products and services you use, the more you can save and earn.  As a cooperative, the credit union thrives when members actively participate and utilize the credit union for all their financial needs.  Engaged, loyal members will benefit from rewards such as waived foreign ATM withdrawal fees, free checks, waived IRA account annual fees and free Stop Payment requests.

How It Works

There are three reward levels in the program; based upon a member's combined loan and deposit balance. The combined balance on the last day of a month determines your reward level, and benefits, for the following month.

GOLD SILVER BRONZE
Aggregate Deposit & Loan Balance of $25,000 or higher Aggregate Deposit & Loan Balance of $5,000 - $24,999 Aggregate Deposit & Loan Balance of Less Than $5,000

 

Here are some ways you can deepen your relationship with the credit union and increase your rewards level:

  • Direct Deposit your paycheck into a HEFCU Checking with no monthly fee
  • Consolidate debt into a fixed-rate personal loan
  • Move your auto loan to HEFCU
  • Open a HEFCU Visa and transfer higher-rate balances
  • Open a high-yield Money Market to ramp up your savings

Rewards Schedule

Effective January 1, 2020. 

  GOLD SILVER BRONZE
Foreign ATM Balance Inquiry Fee FREE FREE $1.00
Foreign ATM Withdrawals  FREE 8 Free Per Month 4 Free Per Month
Denied ATM/Debit Card Transaction incl. POS  FREE $2.00 Each $2.00 Each
Check Orders (Checking) FREE (Basic) Cost Paid by Member Cost Paid by Member
Stop Payment (Checking) FREE FREE $15 per item
$25 for range
Outgoing Wire Transfer Fee $15.00 $25.00 $25.00
Savings Account Withdrawals FREE 4 Free Per Quarter
Then $5.00 Each
4 Free Per Quarter
Then $5.00 Each
ATM/Debit Card/Credit Card Replacement FREE $5.00 $5.00
IRA Account Annual Fee Waived Waived $15.00

 

Requirements and rewards subject to change at any time and at the sole discretion of the credit union. The combined balance on the last day of each month determines the member’s rewards level for the following month.  Your rewards level will appear on your HEFCU Statement.  For example, if your aggregate deposit and loan balance on July 31 is $12,000 then your rewards level for the month of August will be Silver.

  • Auto Loan

    as low as
    4.00
    %
    APR*
    Calculate
  • Credit Card

    as low as
    8.99
    %
    APR*
    Calculate
  • Home Equity Loans

    as low as
    4.49
    %
    APR*
    Calculate
  • Share Secured Loan

    as low as
    4.75
    %
    APR*
    Calculate