Member Rewards

Member Reward Center

Reward*	Eligibility	Payout Amount	Qualifications	How Reward is Paid Out
Direct Deposit	The first time you have your payroll, retirement, or social security direct deposited into your AAACU account earn a member reward	$25.00	Individual accounts only	Deposited into regular savings 30 days after Direct Deposit is received
Remote Deposit Capture	The first time you deposit a check via RDC within our mobile app earn a member reward	$25.00	Individual accounts only One member per account First use only	Deposited into your regular savings after you email accounting@aaacu.com or texting 989-354-1544
eSign Consumer Loan Closing	Sign your loan closing documents electronically	$50.00	Paid to primary borrower only Loan closed must have a balance at closing greater than or equal to $750.00	Deposited to regular savings after loan is approved and closed
Online Consumer Loan	Apply for your loan via our online application	$50.00	Paid to primary borrower only Loan closed must have a balance at closing greater than or equal to $750.00	Deposited into regular savings after loan is approved and closed
Online Membership Opening	Apply and open your new membership online	$200.00	Paid to primary member only Membership must be our online application Must access online banking, sign up for eStatements, and sign up for direct deposit	Deposited into regular savings after 30 days after qualifications are met
Online Membership Opening (Youth)	Apply and open your new membership online (For youth 14-17 years of age)	$200.00	Paid to primary member only Membership must be our youth online application Must access online banking and sign up for eStatements Must request a debit card and use it at least once	Deposited into regular savings after 30 days after qualifications are met
Welcome Incentive (Indirect)	Members with indirect loan relationship	$5.00 membership share	Membership is opened via an indirect lending relationship	Deposited to savings at account opening for your membership share
Welcome Incentive (Student)	Apply for membership in our student branches	$5.00 membership share	Membership is opened at one of our student branches Must be a student or staff member of the school	Deposited to savings at account opening for your membership share
Online Mortgage Loan Application	Apply for a mortgage online	$100.00	Paid to primary borrower only Mortgage application must be completed online	Deposited into regular savings after mortgage loan is approved and closed
Refer-A-Friend Program	Refer friends to become AAACU members	The more your friend does, the bigger the reward for both of you! $10.00 for membership $15.00 for membership with debit card $25.00 for membership with Visa card $50.00 for membership with auto/rec vehicle loan $150.00 for membership with mortgage	Paid to both the existing and new member.  Must be referred through online form. New member must qualify for membership and submit all necessary documentation. New member must request a debit card at account opening. New member must apply for a new Visa at account opening and it must be approved and activated within 60 days of account opening.  New member must apply for a new auto or rec vehicle loan at account opening and it is approved and closed within 60 days of account opening.  New member must apply for a new mortgage shortly after account opening and it is approved and closed within 120 days of account opening.	Deposited into regular savings 60-120 days after new membership account is created

* Rewards subject to change. Offers apply to consumer accounts only and must have valid U.S. taxpayer identification number to receive reward. New membership offers may not be combined and are not valid for current members or previous members within last 12 months. Account must remain in good standing. Rewards are reported as dividends on IRS form 1099-INT. All taxes due are the responsibility of the recipient. 

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