RELATIONSHIP REWARDS

Earn more rewards points and discounts
Get higher dividend rates and loan rate reductions
Reduce costs with fee waivers and rebates
OPEN A CHECKING ACCOUNT APPLY FOR A LOAN CALL FOR ASSISTANCE

GET BIG REWARDS

RELATIONSHIP REWARDS,1 is our way to thank you for simply banking with LAPFCU.

•  Simple rewards program design with progressive rewards

•  Higher balances give you better rewards and lower costs

•  Qualify through loans, deposits, or a mix of both

REAL REWARDS

The more you save and borrow, the more rewards you’ll earn!

TIER ESSENTIAL PREMIER ELITE ULTIMATE
One Star Two Stars Three Stars Four Stars
CHECKING ACCOUNT + COMBINED AVERAGE BALANCE $10,000+ $50,000+ $100,000+ $200,000+

BENEFITS
REWARDS POINTS Earned Per $1 Spent2 (Platinum Visa® credit card purchases) 1.25x 1.50x 2.0x 3.0x
FEE REBATE— ATMs Nationwide Unlimited Unlimited Unlimited Unlimited
DIVIDEND RATE BONUS (APY)3— Share Certificates (new/renewing) + 0.10% + 0.15% + 0.20% + 0.25%
RATE DISCOUNT (APR)4— Vehicle and Personal Loans - 0.10% - 0.15% - 0.20% - 0.25%
FEE DISCOUNT — Mortgage Loan Underwriting (purchases/refinances) - 25% - 50% - 75% - 100%
FREE Checks5 2 boxes/
year		 2 boxes/
year		 2 boxes/
year		 2 boxes/
year

FEE WAIVERS
Overdrafts6 Up to $60/year Up to $90/year Up to $120/year Up to $150/year
Coin Redemption Up to $10/month Up to $15/month Up to $20/month Up to $25/month
Holiday Cash Packs For 1 pack For 5 packs For 10 packs For 15 packs
Notary Services 1 service/
month		 2 services/
month		 3 services/
month		 4 services/
month
Cashier’s Check Waived Waived Waived Waived
Check Copy Waived Waived Waived Waived
Debit Card Replacement Waived Waived Waived Waived
Paper Statement Waived Waived Waived Waived

HOW IT WORKS

Qualify with a checking account and $10,000+ in combined average balances.

  • To determine your rewards tier, we total your combined average balances (based on individual account balances) across deposits and loans.
    o Your combined average daily balance is used for deposits (checking, savings, money market, share certificates).
    o Your combined then-current balance at the end of each month is used for loans (credit cards, auto, personal, home equity, and mortgage loans).
  • Tiers reset monthly, so each month is a new chance to earn more rewards.

EARN MORE

Get rewards when you keep a combined average balance of $10,000 or more across any of the following:

QUICK TIPS

  • Log in to mobile or online banking to view your pre-approved loan offers.
  • Increase your balances automatically by setting up direct deposits, ACH transfers, and recurring transfers.

CHECKING THAT FITS YOU

Choose the account that matches your needs: free checking, earn dividends, or get free online data privacy or ID-theft protection.

FAQs

GENERAL INFORMATION

A: We reward you as your relationship with LAPFCU grows. This tiered program gives you more rewards when you keep higher combined average balances across checking, savings, loans and credit cards.
A: Yes. Relationship Rewards is simpler and more valuable when you keep higher balances with LAPFCU. It also offers more flexibility, because you can qualify via loans, deposits, or a combination of both.
A: No. You automatically qualify when you have a checking account and meet balance requirements.
A: No. The program is free for members.
A: You can earn:
  • Extra rewards points on Platinum Visa® credit card purchases
  • Dividend rate bonuses for share certificates
  • Discounts on loan rates
  • Automatic fee waivers and rebates (including ATMs and overdrafts)
  • Exclusive perks, like free checks and notary services
A: No. Fees will be reimbursed to your account automatically.
A: Yes. Previously, Platinum Visa® credit card points were earned on each dollar spent, based on categories: 3 points for groceries, 2 points for gas, and 1 point for all other eligible purchases. 
Now, Platinum Rewards points are simpler. Every purchase earns 1 point per dollar spent. This program multiplies your points, so  you have the potential to earn much more. You can redeem points for cash, electronics, travel, and more. Your rewards tier determines your multiplier.
  • Essential: 1.25x points
  • Premier: 1.5x points
  • Elite: 2.0x points
  • Ultimate: 3.0x points

Example: Spend $1,000 in purchases in a month at the Elite Tier and earn 2,000 points.

A: Yes, you can have multiple of the same type of checking account; we recommend you nickname them for easy identification.
A: Your account number will remain the same and the change will not affect your direct deposit or debit card transactions.

ELIGIBILITY

A: You must:
  • Have an LAPFCU checking account (EZ, Performance, or Guardian^)

Keep a combined average balance of $10,000 or more across checking, savings, and loans.

A: To determine your rewards tier, we total your average balances (based on individual account balances) across deposits and loans.
o    Your combined average daily balance is used for deposit accounts (checking, savings, money market, share certificates).
o    Your combined current balance at the end of each month is used for loans (credit cards and auto, personal, home equity, and mortgage loans).
•    Tiers reset monthly, so each month is a new chance to earn more rewards.
A: Yes, once you open a checking account, keep $5 in your Primary Share Account, and meet the combined average balance requirements.
A: Each member qualifies individually under their own LAPFCU member number.
A: Joint accounts count toward the qualifying member’s balances.
A: Only if you are a joint owner on your spouse’s or partner’s accounts.
A: No. Eligibility is based on your individual member number. Business and organization accounts are not eligible and don't count toward combined average balances.

REWARDS TIERS

A: Balance requirements are:
  • Essential: $10,000+
  • Premier: $50,000+
  • Elite: $100,000+
  • Ultimate: $200,000+
A: Check your monthly statement or e-Statement. You can also call us at (877) 695-2732 or visit a branch.

RR_FAQ_TIER01-1.png
A: Rewards tiers are reviewed monthly. Your benefits adjust automatically based on your balances. Your current tier is determined by your previous months’ average combined balances.
A: You can do any of the following:
A: If your combined average balances decrease, you may move to a lower rewards tier or not qualify for rewards the next month. However, balances are evaluated monthly, so once you meet the criteria again, your benefits will automatically return the following month.