Member Rewards Program

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We know we wouldn’t be where we are today without you, our amazing members. That is why we developed Central Points™, a rewards program exclusively for Arizona Central Credit Union members! With Central Points you will earn more on deposits, save more on loans, waive fees* and enjoy discounts on the everyday products and services you use with us.1 No registration forms or I.D. cards required and your points automatically accrue.

*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.  


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

How do I earn Central Points

For each $1 dividend earned 1
For each $1 interest paid 1
Membership Anniversary/Annually 100
New Member Referral 500
LifeStyle Checking Varies

What can I redeem my Central Points for?

As an exciting new feature, for a fee of 1,000 points, it is now possible to donate your own Central Points to another Arizona Central member. Maximum of 5,000 points per request.

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*
ACCU Custom Checks (1box) 500
Copy of Paid Check 300
Excessive ATM Withdrawals 40
Legal Processing Fee 500
Non-Sufficient Funds 640
Official Check to Non-Member 40
Paid by Overdraft Privilege 600
Skip-A-Payment 500
Statement Copy 40
Stop Payment 640
Copy of Visa Draft 200
Visa Rush Order 400
Wire-Domestic 400
Wire-International 1,000
$100 or less FREE
$100.01 - $500 500
$500.01 - $1,000 750
$1,000.01 - $2,000 1,000
Greater than $2,000 1,250


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. May not be used to waive fees more than one statement cycle old.  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.