Loyalty Choice Rewards Checking Account

We want to reward your loyalty with refunded ATM fees as well as an opportunity to earn dividends on your checking account! Flexible rewards and easy qualifications.

Loyalty Choice Rewards Checking APY Average

0.602% APY* on average balances up to $10,000

Loyalty Choice Rewards Checking Earn ATM Rewards

Unmet Qualifications? Still earn ATM refunds up to $30 per month*

Loyalty Choice Rewards Checking No Fees For Unmet Qualifications

No fees for unmet qualifications

Loyalty Choice Rewards Checking ATM Fee Refunds

ATM fee refunds* up to $30.00 per month

Loyalty Choice Rewards Checking 10 Dollar Minimum Balance

$10 minimum balance to earn checking account rewards

Loyalty Choice Rewards Checking No Monthly Service Charge

No monthly service charge

Loyalty Choice Rewards Checking Unlimited Check Writing

Unlimited check writing

Loyalty Choice Rewards Checking No Monthly Service Fee Debit Cards

No monthly service fees on our debit cards

Loyalty Choice Rewards Checking Free Online Banking And Bill Pay

Free online banking & bill pay

Loyalty Choice Rewards Checking Free Mobile Banking and Mobile Deposit

Free mobile banking & mobile deposit

Loyalty Choice Rewards Checking Free eStatements

Free eStatements

Loyalty Choice Rewards Checking Free Mastercard Debit Card

Free Mastercard® debit card

Getting your rewards is easy

Qualifying is easy. You can earn rewards on your average daily balance of $10.00 – $10,000 by meeting one or more of the following criteria. The more criteria you meet, the more you will earn in dividends!  Qualifying criteria products include; debit card, active loan under the same account number, certificate under the same account number and/or direct deposit, any amount in same account number.

 

 
If you have a: You will earn: Annual Percentage Yield:

One qualifying product

0.150%* Dividend Rate* on average daily Loyalty Choice Rewards balance 0.150% APY

Two qualifying products

0.300%* Dividend Rate* on average daily Loyalty Choice Rewards balance 0.300% APY

Three qualifying products

0.450%* Dividend Rate* on average daily Loyalty Choice Rewards balance 0.451% APY

Four qualifying products

0.600%* Dividend Rate* on average daily Loyalty Choice Rewards balance 0.602% APY

If you meet one of the above qualifying criteria, you will earn 0.150% APY at 0.150% Dividend Rate. If you meet two of the above qualifying criteria, you will earn 0.300% APY at 0.300% Dividend Rate. If you meet three of the above qualifying criteria, you will earn 0.451% APY at 0.450% Dividend Rate. If you meet all four of the qualifying criteria, you will earn 0.602% APY at 0.600% Dividend Rate.

*Disclosures: APY is accurate as of 1/17/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

If there is an issue with an ATM fee reimbursement, please present to a representative at one of our branches within 30 days of transaction. Loyalty Choice Rewards account dividends and ATM fee reimbursements will be credited to your Loyalty Choice Rewards account within the first five business days of the next statement cycle. Limit of one Loyalty Choice Rewards account per Social Security Number. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, and other requirements apply. There are no recurring monthly service charges or fees to open or close this account. Please see Membership Account Agreement, Truth In Savings Disclosure or a Northwoods Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.

Data carrier rates and fees may apply.

Accounts are federally insured by NCUA.