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MORE PERKS

Earn Points for the Products & Service You Use

More is a loyalty program that actually rewards loyalty. It allows you to gain points and get great perks based on the products and services you use, not how much money you have.

Do I need to enroll in the program?

You will be automatically enrolled if you have a MoreScore of 200 or more points. Your MoreScore is calculated on the last business day of each month, and if you qualify for More or EvenMore, you will automatically begin receiving those perks on the first day of the following month.

Visit Online Banking to find out your MoreLevel and check your MoreScore.

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Have questions? Call us at 800.325.0808 or stop by a branch near you.

Bringing You More and EvenMore

There are two tiers of perks. The perks get better the higher your MoreScore, which is determined by how many products and services you use. Members with a MoreScore of 200–399 qualify as More members, while members with a MoreScore of 400+ qualify as EvenMore members.

For members with 200-399 points
Dividend rate increase on MoreSavings and MoreChecking
Out-of-network ATM fee savings: Affinity fees for up to 8 monthly transactions are waived at the end of each month
No fees for Money Orders and Cashier's Checks
Overdraft Protection Transfers (Linked Accounts): One free per month
For members with 400+ points
Dividend rate increase (best rate) on MoreSavings and MoreChecking accounts
Out-of-network ATM fee savings: all Affinity fees are waived, and up to $10 in fees charged by non-Affinity ATM owner are rebated at the end of each month
Double points on all Affinity Pure Rewards® Visa® credit card purchases
Free check orders
No fees for up to 10 Affinity Visa® Gift Cards per month
Free paper statements
25% discount on Safe Deposit Boxes
No fees for Money Orders and Cashier's Checks
Overdraft Protection Transfers (Linked Accounts): Six free per month

See additional details about benefits1 below.

It’s Easy to Earn MorePoints

You earn points based on your relationship with Affinity - for the products and services you use, as well as how long you've been a member. Take a look and see how easy it is to earn MorePoints!

The chart below shows how points are assigned to products and services. Or, you can calculate your own MoreScore now!

Debit and Credit Card Usage
  • Debit Card Usage:
    • 10-15 transactions/month
      50 points
    • 16+ transactions/month
      100 points
  • Active Credit Card
    25 points
  • Credit Card Usage:
    • 10-15 transactions/month
      50 points
    • 16+ transactions/month
      100 points
Checking, Savings, & Certificates
  • Any Checking Account
    75 points
  • Checking, Savings, and Certificate Balances:
    • $5,000 - $9,999
      25 points
    • $10,000 - $24,999
      75 points
    • $25,000 - $99,999
      100 points
    • $100,000 - $249,999
      150 points
    • $250,000+
      200 points
Affinity Investment Services Account*
  • Active Account
    50 points
Other
  • Direct Deposit
    50 points
  • Paperless Banking
    25 points
  • Tenure 20+ years
    50 points
Loans
  • First Mortgage
    150 points
  • Auto Loan
    100 points
  • Home Equity Loan or Line of Credit
    100 points
  • Other Consumer Loan
    50 points
  New - Business Services**
  • Business Checking
    50 points
  • Business Checking, Savings and Certificate Balances of $100,000 or more
    100 points
  • Business Loan Balance of $50,000 or more
    150 points

See additional details on program eligibility and how points are calculated2 below.

View most frequently asked quesitons.

1 ADDITIONAL DETAILS ABOUT BENEFITS:

Dividend rate increase on Qualifying Savings and Checking Accounts: All members who qualify for “More” or “EvenMore” status will receive a rate increase on Qualifying Savings and Checking accounts. Qualifying accounts currently include the MoreSavings and MoreChecking accounts. Members who qualify for “EvenMore” status will receive a higher increase than members achieving “More” status. Eligibility for the increase will continue as long as “More” or “EvenMore” status is maintained. If you advance to the “EvenMore” level, the rate will adjust to reflect the higher increase. The increase applies to the dividend rate on the first day of the month in which you achieved “More” or “EvenMore” status. The loss of the increase also takes effect on the first day of the month in which you no longer qualify for “More from Affinity.”

Free Check Orders: Includes all personal designs. Excludes licensed products.

Affinity Pure Rewards® Visa® Credit Card Double Points: Double points will be awarded on all purchases made and posted from the first day of the calendar month that you achieve “EvenMore” status and continue as long as
you maintain EvenMore status. Balance transfers and cash advances do not qualify for points. You will receive 2 reward points for every $1 spent, credited daily.

Out-of-Network ATM Fees: You can make an unlimited number of withdrawals from ATMs in our surcharge-free network without any surcharge from the owner of the ATM. Please note that after eight ATM withdrawals a month on a non-Affinity-owned ATM (including surcharge-free ATMs), Affinity will charge a fee of $2.00 for each additional withdrawal. All fee rebates occur at the end of each month.

2 PROGRAM DETAILS: Effective October 1, 2017

We reserve the right to modify the terms and conditions of “More from Affinity” at any time.

PROGRAM ELIGIBILITY: “More from Affinity” is open to all Affinity members in good standing, excluding Business accounts not associated with an individual membership, Estate and Trust Accounts. “In good standing” excludes members who are 60+ days delinquent, in charge-off status, in bankruptcy, or in collections on an Affinity loan. Members with a “MoreScore” of 200–399 points are eligible for “More” perks, and members with a “MoreScore” of 400+ points are eligible for “EvenMore” perks. Your “MoreScore” is updated on the last business day of each month (business days exclude Sundays and holidays) and members can increase in level effective the first day of the following month unless they are no longer a member in good standing. Once attained, “More” or “EvenMore” status is good through October 31, 2018 (as long as you remain a member in good standing) and is reviewed at that time to ascertain continued eligibility. After that date, it will be reviewed every 6 months (on April 30 and October 31 of every year).

HOW YOUR MORESCORE IS CALCULATED: Points are earned for personal accounts and services, and certain business products and services. See the Business Services section of the chart for further detail. Points for Affinity accounts are assigned to the primary accountholder only, with the exception of points for mortgages and for balances associated with Affinity checking, savings and certificate accounts, which are assigned to both the primary accountholder and the joint accountholder. Activity must post to your account by 5pm Eastern Time on the last business day of the month to count toward your “MoreScore.” Points earned in each product or service category can only be earned once per category.

ADDITIONAL DETAILS ABOUT HOW POINTS ARE CALCULATED: Checking: Includes Affinity Checking, MoreChecking and Green Rewards Checking. Does not include Money Manager or Health Savings Accounts.
Active Credit Card: Any activity within the last 30 days, including a purchase, cash advance or payment. Debit Card Transactions per Month: Excludes ATM transactions. If you have more than one checking account and debit card, transactions from all cards will count toward the monthly transactions. Note that the debit card transaction is counted in the month that the transaction is posted to your account. For example, if you make a transaction on April 30, and the transaction is debited from your account on May 2, it will count as a transaction in May.

Credit Card Transactions per Month: Includes purchase transactions. Excludes balance transfers, cash advances and credits/refunds. If you have more than one Affinity credit card, transactions from all cards will count toward the monthly transactions. Note that the credit card transaction is counted in the month that the transaction is charged to your account. For example, if you make a transaction on April 30, and the transaction is posted to your account on May 2, it will count as a transaction in May.

Direct Deposit: To earn points, a minimum of $500 must be direct deposited in an Affinity account in a calendar month.

Paperless Banking: To qualify for points, enroll in Online Documents (receive your statements and other account documents online), and also use Online or Mobile Banking at least once a month (“use” means, at minimum, logging into Affinity Online or Mobile Banking, or using any Online Banking text alerts).

Other Consumer Loans: Includes personal loan, debt consolidation loan, boat/RV loan and secured loan. Also includes personal lines of credit with balances.

Home Equity Loan/Line of Credit: To earn points for a Home Equity Line of Credit, there must be an outstanding balance.

Business Loan Balances: Includes all commercial loans except business credit card balances.

* Not a deposit; Not NCUA-Insured; Not insured by any federal government agency; Not guaranteed by the credit union or an affiliate of the credit union; May go down in value.

** If you have business accounts associated with your individual membership, you’ll earn MorePoints for these products and services.