Getting rewarded has never been easier! With our Central Points program, we reward you simply for being a member. Central Points is designed to help you earn more on deposits, save more on loans, and enjoy discounts on the everyday products and services you use at Arizona Central.

• Signing Up for Central Points
• Earning Central Points
• Using Central Points
  
• Saving More With Central Points
• Redeeming Central Points
  
• Your Central Points Balance
  

This one's easy! All members are automatically enrolled in the Central Points program.

As you continue to save, borrow and use services with Arizona Central Credit Union, your points will automatically accrue and update in your Central Points account.

No registration forms. No ID cards. You're automatically enrolled when you become a member.

We told you it was easy.

With Central Points, you're in control. The more products and services you use, the more points you earn. You decide.

• Earn one Central Point for each dollar you earn in dividends on all consumer deposit accounts.
• Earn one Central Point for each dollar you pay in interest on all consumer loans.
• Earn 100 Central Points each year during the month of your membership anniversary.
• Earn 500 Central Points when you refer a new member to the credit union.
• Earn even more points with our LifeStyle Checking Accounts:
  • TeenStyle Checking Account - Earn 1 point per signature-based Check Card purchase and 1 point per bill paid through online Bill Pay
  • FreeStyle Checking Account - Earn 2 points per signature-based Check Card purchase and 2 points per bill paid through online Bill Pay
  • MyStyle Checking Account - Earn 10 points per signature-based Check Card purchase and 10 points per bill paid through online Bill Pay
  • HighStyle Checking Account - Earn 5 points per signature-based Check Card purchase; 5 points per bill paid through online Bill Pay; 100 points per month enrolled in eStatements

Well, that’s the fun part. You spend them to get more from Arizona Central and more for your money. It’s your choice!

• Lower the interest rate on a new consumer loan:
  1. 2,500 Central Points lowers your rate by 0.25%.
  2. 5,000 Central Points lowers your rate by 0.50%.
• Increase the dividend rate on a new Certificate.
1. 2,500 Central Points raises your rate by 0.25%.
2. 5,000 Central Points raises your rate by 0.50%.
• Waive fees. For many of the fees we charge, you can use your Central Points to waive or
  have a fee refunded.

Check out the table (below) to see which fees you can waive and how many points you’ll need.

Whether you want to use your Central Points to bump up your certificate rate or lower your interest rate on a car loan, you will save money. Just look at these examples:

Certificate Savings Example - based on investing $10,000 Term/Rate (APY*) Balance at End of Term Balance with 0.50% Central Points Bonus Central Points Bonus Balance with 0.25% Central Points Bonus Central Points Bonus 6 months/ 2.75% $10,138 $10,163 $25 $10,151 $13 12 months/ 2.95% $10,298 $10,349 $51 $10,324 $26 18 months/ 2.95% $10,451 $10,529 $78 $10,490 $39 24 months/ 3.10% $10,637 $10,743 $106 $10,690 $53 36 months/ 3.25% $11,020 $11,185 $165 $11,102 $82 *Deposit rates are Annual Percentage Yields (APY) and are based on the minimum required balance. Example is for illustrative purposes only. Rates listed may not be current. See our rates page for current rates.

Auto Loan Savings Example - based on a $25,000 loan Terms/Rate (APR*) Interest Expense without Discount Interest Expense with 0.50% Discount Central Points Savings Interest Expense with 0.25% Discount Central Points Savings 36 months/ 5.50% $2,176 $1,974 $202 $2,075 $101 48 months/ 5.50% $2,908 $2,635 $273 $2,771 $137 60 months/ 5.50% $3,652 $3,307 $345 $3,479 $173 72 months/ 5.99% $4,823 $4,400 $423 $4,611 $212 84 months/ 6.50% $6,184 $5,678 $506 $5,930 $254 *Loan rates are Annual Percentage Rates (APR). Example is for illustrative purposes only. Rates listed may not be current. Your rate may be different based on loan term and credit history. See our rates page for current rates.