Carolina Trust Federal Credit Union

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Carolina Trust Member Rewards
Banking with Benefits - Credit Union Style!

Finally, a rewards program that gives you the option to redeem points for savings and discounts you can actually use! Here's how it works: Carolina Trust members are automatically rewarded monthly for the savings, checking and loan products they maintain with Carolina Trust and annually for their length of membership with the Credit Union.

1 Member Reward Point for every $1 in interest paid on a Carolina Trust loan (applied monthly; does not include interest paid on VISA^® credit card balances)
1 Point for every $1 in dividends earned on a Carolina Trust savings, checking, money market, and certificate or IRA account (applied monthly)
100 Points for each year of Carolina Trust membership (applied annually following the member's anniversary date)

Members may earn additional points for opening and using qualifying Carolina Trust products and services, such as free online banking, direct deposit checking, E-Statements, and more! Take a look at the many ways you may qualify to earn additional points:

Members may receive additional points for the following:	Points Earned	When are points awarded?
Received E-Statement last month	25	the month after E-Statement is received
Used online banking last month	50	the month after online banking was accessed
Added Credit Disability to loan	100	the month after authorization
Added Credit Life to loan (100 points per borrower)	100	the month after authorization
Added GAP to vehicle loan	100	the month after authorization
Added Mechanical Repair Coverage to vehicle loan	200	the month after authorization
New debit card for existing checking	250	within two weeks of approval
New Personal loan or line of credit with $1,000 minimum advance	250	the month after loan funded
New Savings certificate with $250-$4,999.99 deposited	250	within two weeks of deposit
New IRA certificate with $250-$4,999.99 deposited	250	within two weeks of deposit
New Bill Pay enrollment	500	the month after first bill is paid
New credit card with a transferred balance ($1,500-$4,999.99)	500	within two weeks of approval
New Free or Student Checking with debit card	500	the month after account opening
New Goal Club youth account	500	the month after account opening
New E-Statements enrollment	500	the month after first E-Statement is received
New Home Equity loan/line of credit with advance ($5,000-$14,999.99)	500	the month after loan funded
New Secured loan (ie. vehicle loan) with $5000-$14,999.99 balance	500	the month after loan funded
New Savings certificate with $5,000 or more deposited	500	within two weeks of deposit
New IRA certificate with $5,000 or more deposited	500	within two weeks of deposit
New credit card with a transferred balance ($5,000 or more)	750	within two weeks of approval
New Online Banking enrollment	750	the month after Multi Factor Authentication preferences completed
New Direct or 50 Plus checking with direct deposit and debit card	1000	the month after first direct deposit is credited to account
New Home Equity loan/line of credit with advance ($15,000 or more)	1000	the month after loan funded
New Secured loan (ie. vehicle loan) with $15,000 or more balance	1000	the month after loan funded

Members may redeem their Carolina Trust Member Reward Points to discount the rate on their next auto loan, increase the rate earned on a new fixed-rate certificate, take $250 off first mortgage loan closing costs, and much more! Below are the numerous ways you may spend your points on Credit Union savings and discounts:

How members may spend their Available Points	Point Cost
Waive Print Statement Page Fee	75
Waive Travelers Check Fee	75
Refund Inactive Account Fee with Transaction	120
Waive Official Credit Union Check Fee COPY	120
Waive ATM/Debit Card Re-PIN Fee	200
Waive ATM/Debit Card Replacement Fee	200
Waive Official Credit Union Check Fee (3 per month)	200
Waive Visa Gift Card Fee	200
Waive Pay by Check over the phone fee	375
$10 off any new Safe Deposit Box (any size or location)	375
Waive/Refund Deposit Item Fee	375
Waive Domestic Incoming Wire Fee	375
Waive International Incoming Wire Fee	375
Waive/Refund Stop Payment Fee - by member - via online or E-Z Teller	375
Waive Domestic Outgoing Wire Fee	575
Waive/Refund (if ordered online) Box of Checks Fee (up to $20)	750
Waive/Refund Stop Payment Fee - by staff - over phone or in person	750
Waive Credit Card Overnight Replacement Fee	900
Refund Late Loan Payment Fee (up to $25 maximum) (3 per year)	1000
Waive International Outgoing Wire Fee	1300
$250 discount on certain New/Refinanced first mortgage loan closing fees	2500
Discount new vehicle/personal loan by 0.25% APR	2500
Remember - members can receive up to a 0.50% APR discount with 2,500 Member Reward points and by signing up for Automatic Payment Transfer!
Increase new fixed-rate certificate/IRA rate by 0.25%	2500
Increase new fixed-rate certificate/IRA rate by 0.50%	5000

You'll be surprised at how quickly your points add up when you use your Credit Union for savings, checking, competitive rates, and innovative services. If you have not yet experienced the Credit Union difference, we hope you'll join and see why we're a better way of banking!

*Please Note: Fees charged to a member's account will not be refunded if more than 60 days old. Members must accrue an initial 1,000 points before point redemption may occur. Certain redemption options allow for only one discount at a time. The Credit Union reserves the right to alter, add, or delete the products and services rewarded and the savings, discounts, and refunds available for point redemption. Point values are subject to change without notice.

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Please Note: When you access an external third-party site via a "live link" on the Carolina Trust website, the Credit Union in no way assumes any responsibility or liability for the information contained therein nor does the Credit Union warrant the products and services offered to the viewer. Additionally, privacy and security policies of alternate sites may differ from those practiced by Carolina Trust.

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