Earn Points

Points accumulated during a calendar month determine your reward level for the following month. If your July statement indicates that your account is “Gold”, you can take advantage of “Gold” level rewards during August. While there is a possibility that your account may fluctuate between levels, most members with long term relationships remain very stable.

VIP Member Rewards added benefit:  Members living in the same household all enjoy the reward level of the highest point earning account!

How The Points Add Up

Bronze 0 – 59 Points
Silver 60 – 119 Points
Gold 120 – 179 Points
Platinum 180 Points or more


VIP Member Rewards Monthly Point Values

Your current Member Rewards level can be found when you login to It’s Me 247 Online Banking as well as at the top of last month’s statement.

VIP Member Rewards Monthly Point Values*

Savings & Checking Participation

 VIP Points
Checking Account: Personal, Fresh Start, or Money Market 15
Share Account: Other or Special Purpose 10
Club Account: Holiday or Vacation 10
Regular Share Certificate 10
IRA and/or IRA Share Certificate (Traditional, Roth,
Coverdell, or SEP)
Money Market Account: Savings or Checking 10
Aggregate Savings Balance:
up to $4,999 5
$5,000 to $24,999 20
$25,000 to $49,999 50
$50,000 to $99,999 60
$100,000 and up 75


Loan Participation

VIP Points
Mortgage Loan: First or 360 First 20
Home Equity Loan: Advantage, Fixed, Opt 1,
Opt 2, Opt 3, or Plus
Other Loans/Lines of Credit: New or Used Auto, Personal,
Open End, Other Collateral, Overdraft, or Share Secured
Aggregate Loan Balance:
up to $4,999 10
$5,000 to $14,999 20
$15,000 to $49,999 30
$50,000 and up 40
Visa® Credit Card: up to 10 transactions per month 15
11 to 19 transactions per month 20
20 and up transactions per month 25



Self Service Participation

 VIP Points
Visa® Debit Card: up to 10 transactions per month 15
11 to 19 transactions per month 20
20 and up transactions per month 25
CU*Talk Telephone Banking – active (access 1x per mo) 10
It’s Me 247 Online Banking – active (access 1x per mo) 15
eStatements – enrolled 20
It’s Me 247 Bill Pay – enrolled 15
Valid email address 10
eNotices Subscription 10
eAlerts Subscription 10
Mobile Text Banking – enrolled 10
Credit Union Marketing – opt-in 5
3rd Party Marketing – opt-in


Direct Deposit Participation

VIP Points
ACH (Electronic) Direct Deposit ($500+ per month) 15
Direct Deposit of Payroll ($500+ per month) 15
Automatic Transfers (loan payments or other transfers) 10
ACH (Electronic) Loan Payments 10

VIP Member Rewards Chart




* Effective February 3, 2020. VIP Member Rewards Program does not apply to business accounts. Any negative savings balances or delinquent loans will result in a deduction of points.  Account status can change monthly. Benefits are subject to change without notice. Please review this VIP Member Rewards schedule in conjunction with Cumberland County Federal Credit Union’s Membership Agreement & Disclosure, Rate and Fee Schedules, and account agreements. Points expire 48 months after awarded.

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Please note that we don’t accept returns at this time.