TobyFCU offers a points-based loyalty rewards program. Points are earned through debit and credit card spending. Every dollar charged earns you one reward point. Monthly bonus, points can also be earned through the types of products and services you use at TobyFCU, your length of membership, how often you use a specific product or service, and by reaching certain balance levels in your savings account(s).
For more information on how to earn points and bonus points, please see below to the listing and FAQ.
|Ways To Earn Points||Points Qty.|
|$1.00 of Platinum Card Spending||1 point|
|$1.00 of Visa Check (Debit) Card Spending||1 point|
|Product/Service On Your Account||Bonus Points Earned Monthly|
|Membership 1-4 Years||50 points|
|Membership 5-9 Years||100 points|
|Membership 10+ Years||150 points|
|Open a Share Draft Checking Account||100 points|
|Complete at least 3 deposits and 16 withdrawals in the past 90 days (is active) on your Share Draft Checking||100 points|
|Use Bill Pay at least two times within the month||100 points|
|Aggregate Savings has Average Daily Balance* of $2,500+||100 points|
|Aggregate Savings has Average daily balance* of $10,000+||100 points|
|Money Market with Average Daily Balance* $2,500+||100 points|
|Share/IRA Share Certificate on account||100 points|
|IRA Share Savings on account||100 points|
|eStatements activated on account||200 points|
|Log into Online Banking at least once a month||100 points|
|At least $500 is direct deposited into a TobyFCU account||300 points|
|Be in good standing on a Home Equity Loan with an active balance||200 points|
|Be in good standing on an auto loan with an active balance||200 points|
|Be approved for another type of TobyFCU loan (excludes Student, Mortgages, Credit Cards) and remain in good standing while there is an active balance||100 points|
Can points be transferred to another TobyFCU Account?
How do I redeem my points?
How often are bonus points tabulated?
How can I tell how many points I currently have?
Can the points expire?
|When Points Were Earned||Day They Expire|
|8/1/2011 thru 12/31/2012||1/1/2014|
|1/1/2013 thru 12/31/2013||1/1/2015|
|1/1/2014 thru 12/31/2014||1/1/2016|
What are my redemption options?
|50,000||$50.00 Deposit to Share Account|
|20,000||$20.00 Deposit to Share Account|
|15,000||Courtesy Pay or Non-Sufficient Fund (NSF) Fee Reversal|
|15,000||Add 0.25% to the current dividend rate on a 36 Month or Greater Term Share Certificate1|
|12,500||Take 0.50% Off the interest rate1,2 for a 60 Month or shorter Auto Loan|
|7,500||Take 0.25% off the interest rate1,2 for a 72 Month or shorter Auto Loan|
|7,500||Free Box of Checks3|
Are there specific rules for redemptions?
What if I close my account?
Are the points refundable?
Conditions & Notes
* Average Daily Balance based on the balances in the account for the month being calculated.
1 New business only, cannot be applied to previous business.
2 The minimum rate on an auto loan is 3%.
3 Applies to specific check orders only.