You may know how great it is to bank with a credit union - better rates, low fees, personal service and a commitment to you not shareholders. Even better, with GHCU you get all that plus PurplePoints.

What’s that, you ask? Read on!

PurplePoints are the GHCU equivalent of frequent flyer miles. With the airlines, you rack up miles and you get free tickets.

With GHCU, you rack up PurplePoints and you get great perks at the credit union. No, we don’t mean toasters or silverware. We mean things you really want, like higher rates when you save, lower rates when you borrow and lower fees when you need them.

When you have a savings account or share certificate here, you earn dividends. When you have a GHCU loan, you pay interest. And when you do either of these things, you earn PurplePoints. PurplePoints are broken down by two categories - Lifetime Points and Available Points.

Lifetime Points
Lifetime Points are earned through the following:

• Becoming a new GHCU member - 250 points
• Each year you've been a member - 100 points
• GHCU consumer or home-equity loan interest - 1 point per $1 in interest paid per month
• GHCU savings, checking or Share Certificate account dividends - 1 point for every $1 earned per month
• Every signature-based transaction with GHCU debit card - 5 points
• Every PIN-based transaction with GHCU debit card - 1 point (does not apply to ATM transactions)

Available Points
Available Points are earned through the following:

• Open an Emerald Checking account* - 2,500 points
• Open an IRA - 500 points (new accounts only with a minimum contribution of $2,500)
• Mortgage Origination Fees - 1 point for every $1 paid in mortgage origination fees
• Open a My Checking or Silver Horizons checking account* - 500 points
• Get a new loan, except mortgage** - 500 points
• Open a Premium Plus account - 500 points
• Refer a new member to GHCU - 100 points if person joins
• Refer a new employer group to GHCU - 500 points if company joins
• Sign up for My Bills, GHCU's online bill payer - 100 points
• Get a new Visa card - 500 points

Now you're asking yourself, but what do I do with all these PurplePoints? Well, that's the fun part. You spend them! No, not at the mall. You spend them on things you do at GHCU.

• Decrease a new loan rate by .25% (excludes 1st mortgages, Visa and line of credit products) - 2,500 Available Points needed
• Increase a new certificate rate by .25%*** - 2,500 Available Points needed

Not sure how many Points you have to spend? You can easily check them online right here!

*Must be a member's first GHCU checking account, not eligible on subsequent accounts.

**Sorry, the magic of PurplePoints doesn't work on mortgage or CUDL loans, and on all Visa products including Visa Home Equity Platinum. It works on almost everything else though!

*** Available on all new GHCU IRAs (certificate accounts) with minimum contribution of $2,500