Relationship Rewards

As a not-for-profit financial cooperative, the more you use your cooperative, the more you‘re rewarded. Our Relationship Rewards Program offers you a choice in personal finance. Below we've outlined how to earn benefits along with a great chart on the benefits you can earn each month.

Express Rewards

This is the basic membership level if you’re looking to use us strictly for transactions. Express level members:

  • Have no loans

  • Deposit less than $1,000 monthly

  • Have total average monthly household combined balances between $5 - $999

Monthly Maintenance Fee: $5.00

Member Tip: Avoid the monthly fee by adding any loan or credit card or use Direct Deposit to make at least $1,000 in deposits monthly.

Silver Rewards

This membership level is for you if you use us for more of your banking needs:

  • Choose to take any loan

  • Make at least $1,000 in deposits monthly

  • Your total combined monthly average household balance is between $1,000 - $9,999

Monthly Fee: NONE

Member Tip: Add a Car Loan or Credit Card to move up to Gold Rewards.

Gold Rewards

This is the perfect membership level if you’re looking for a little “extra” in your Credit Union relationship. Filled with lots of perks, the Gold level is for:

  • Total combined household monthly balances of between $10,000 - $50,000

Monthly Fee: NONE

Member Tip: Want Platinum? Bring us your mortgage! In the DMV area, nearly all mortgages will “put you over the top” to earn Platinum Rewards.

Platinum Rewards

Overflowing with perks, the Platinum level is for you when you choose us as your primary financial institution.

  • Maintain total combined monthly household average balances of $50,000+

Monthly Fee: NONE

Relationship Rewards Benefits

Express

Silver

Gold

Platinum

Total Relationship (Deposits + Loans)

$5.00 - $999.99 (excludes ages under 21 and over 55)

$1,000.00 - $9,999.99 or any loan or direct deposit

$10,000.00 - $49,999.99

$50,000.00+ or 60+ years old

Monthly Maintenance

$5.00

None

None

None

Cashier's Check

$5.00 each

$5.00 each

Free

Free

Stop Payment

$30.00 each

$30.00 each

$15.00 each

Free

Money Order

$2.00 each

$2.00 each

Free

Free

Non-ACFCU ATM Transaction or Inquiry

$1.00 each

4 Free per month

6 Free per month

10 Free per month

Domestic Wire Transfer

$20.00 each

$20.00 each

$10.00 each

Free

Certificate Bump Rate Increase

None

None

None

0.10%


The Fine Print

Maintenance Fee imposed after 3 months of membership. It does not apply to members under 21 or over 55.
**Members qualify as “Silver” if total monthly deposits total $1,000.00 or more.
***There may be surcharge fees at non-ACFCU ATMs. To receive rebate, member must submit receipts for ATM surcharges paid to another financial institution. Or, have a Your Choice Checking Account and meet monthly qualifications.