
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.
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:
- 2,500 Central Points lowers your rate by 0.25%.
- 5,000 Central Points lowers your rate by 0.50%.
- Increase the dividend rate on a new Certificate.
- 2,500 Central Points raises your rate by 0.25%.
- 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:

Earning points is easy, redeeming them for great rewards is even better! Stop by any of our convenient
branch locations and talk to a credit union associate to redeem your Central Points.
If you'd prefer, you may also call Arizona Central Member Services at (602) 264-6421 or toll-free 1-866-264-6421 during normal business hours and we'll be happy to assist you in redeeming your points.
Central Points balances are automatically updated each month. There are two easy ways to check your balances.
- Call or visit one our convenient branch locations to find out how many Central Points you’ve already earned and how your points can save and earn you money.
- Check your monthly account statement for your current balance.

*Points required per $100,000 invested or borrowed
Terms:
- Consumer accounts only. Business accounts do not qualify for 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 that are older than 60 days.
- Maximum certificate term 36 months.
- Maximum loan term 72 months.
- Maximum loan discount 0.50%.
- Maximum certificate bonus 0.50%.
