How a member earns Lifetime Points:

Bonus Points (never included in Lifetime Points):

How a member uses pts:

1 point for every $1 interest paid 1 point for every $1 interest earned

500 points - signing up for e-Statements 250 points - referring a friend 100 points - becoming a fan on Facebook

buy down an interest rate - .25% for 2500 pts buy up a dividend rate - .25% for 2500 pts waive a fee - 10x fee amt waive an NSF fee - 1000 pts mortgage late pmt - 10x the 5% Waive Mortgage Underwriting fee up to $100 for 2,500 points Earnie Dolls - 75 pts t-shirts - 150 pts caps - 150 pts skip-a-payment - 350 pts