| 1 point for every $1 in dividends earned 1 point for every $1 in interest paid (excluding loans secured by real estate) 100 points for every year | 2500 points = +.25% on a certificate 2500 points = -.25% on certain consumer loans 1000 points = 1 box of checks (limit 1 per year) 1000 points = corporate check fee 20 x fee = safe deposit box Member to member points transfer, 1000 minimum required |