Member Loyalty Program

At Blue Chip FCU, we feel strongly that the loyalty our members show to us should be rewarded

When you become a Blue Chip FCU member, you are automatically enrolled in our Member Loyalty Program. A point value is awarded for each service you use with additional points awarded for your length of membership. These points are added up and can translate into a discounted loan rate or an increased dividend rate—our way of saying thank you for being a member of Blue Chip FCU!

Save on Loans

When you need to utilize the credit union’s loan program, the total number of points you are awarded turns into a discounted rate for your new loan! Points may be applied to all of our fixed rate loan products. Your use of our services, along with your length of time as a member, can reduce your rate up to 1%!

Increase Your Savings

Certificate of Deposit accounts are established for specific terms, and the dividends earned are higher than the standard savings accounts because you are restricted from making any withdrawals until the term ends. Member Loyalty Points can be calculated to increase your dividend earning power up to 0.30%!

Member Loyalty Points
Checking 1 point
Money Market 1 point
Certificate of Deposit 1 point
IRA Shares 1 point
VISA Debit Card 1 point
Direct Deposit/Deduction** 1 point
Internet Banking 1 point
Check Free Bill Pay 1 point
eStatements 1 point
Mobile App 1 point
Current Loan 1 point
Member for 2-5 years 1 point
Member for 5-10 years 2 points
Member for 10+ years 3 points
**Direct deposit or payroll deduction must be recurring. One-time deposits do not qualify.


Loan Rate
Certificate Rate
5 points 0.25% 0.05%
6 points 0.50% 0.10%
7 points 0.50% 0.15%
8 points 0.75% 0.20%
9 points 0.75% 0.25%
10 points 1.00% 0.30%


Contact us for more information on how our Member Loyalty Program can work for you

Help Your Teen Make Smart Financial Decisions

Blue Chip FCU Teen Club accounts are designed to help kids between 13-17 years old make smart savings and spending decisions.

Teen Club Accounts
Start Your Kids Off Right with Accounts Designed for Them

Blue Chip FCU helps kids grow up smart with accounts and tools designed for our youngest members.

See Zoo Club Details