Member Rewards Program

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***We are excited to announce that, as a result of your feedback, we will be replacing our Central Points™ program with a new and enhanced member rewards program in 2018!  More details to come on this – but as a result, commencing October 1, 2017, Central Points will no longer be able to be used for fee waivers.  However, members will keep their accrued Central Points balances, and may still use them throughout the remainder of the year for lowering loan interest rates and increasing interest rates on CDs.  

We know we wouldn’t be where we are today without you, our amazing members.  Even though you are no longer able to use Central Points to waive fees, you will still be able to use your balances to earn more on deposits, and save more on loans.1  No registration forms or I.D. cards required.

How many Central Points do I have?

There are many ways to redeem or check your Central Points balance.

  • Stop by a branch
  • Call (602) 264-6421 or toll free (866) 264-6421
  • Check your monthly statement

What can I redeem my Central Points for?

0.25% Certificate Bonus Dividend 2,500*
0.50% Certificate Bonus Dividend 5,000*
0.25% Loan Rate Discount 2,500*
0.50% Loan Rate Discount 5,000*


1Central Points Terms & Conditions: Consumer accounts only. Business accounts do not qualify for the Central Points Program. May not be used to discount Mortgage, Home Equity, HELOC, Lines of Credit, Credit Cards or Indirect Lending loans. Maximum two fees waived per month. Maximum certificate term 36 months. Maximum loan term 72 months. Maximum loan discount 0.5%. Maximum certificate bonus is 0.5%.

* Points required per $50,000 invested or borrowed.