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Public Service Credit Union’s Loyalty Points program is designed to offer you rewards based on your relationship with the credit union. Points are scored based on the products and services you use. Accounts will be scored on the last day of the month and awarded the next day. Your points will appear on your statements as well as your online banking. Remember, the more you use the credit union, the better the rewards!

You can redeem your points to receive a rate discount on a loan, to increase the savings rate on a certificate, to have fees refunded or for Credit Union gear.

See the tables below for information on earning and redeeming points!


How to Earn My Loyalty Points
Primary Financial Institution
Smart Checking Account Open165
Account open for over 5 years+1
Additional General Savings Accounts1
Share Certificate (CD)10
Individual Retirement Account (IRA)10
Funds Manager Account (Higher Balance = More Points)10-35
1st or 2nd Mortgage165
All Other Loans85
Loan Paid by Automatic Transfer85
Total Loan Balances (Higher Balance = More Points)50-190
Self Service
ATM Transaction35
DBT Debit Card Transaction165
Credit Card Open85
Online Banking Active85
E-statement Enrolled35
Billpay Enrolled35
Direct Deposit over $500165
How to Redeem My Loyalty Points
.25% Loan interest rate discount5000
.50% Loan interest rate discount10000
Share Certificates (CD's)
.25% CD rate increase5000
.50% CD rate increase10000
Credit Union Gear
Sticky Note Pad1000
Fort Wayne Bumper Sticker1000
Phone Wallet Stand1000
Eyeglass Cleaning Cloth2000
Piggy Bank2500
T-Shirts: L - 4XL3000
Lunch Bag4000
Campfire Mug5000
Fee Refunds
Billpay Inactivity Fee150
Photocopy or Fax Fee150
Money Order or Cashiers Check Fee150
History Print Out Fee450
Returned Mail Fee750
Overdraft Transfer Fee750
Check Copy Fee750
Incorrect EFT Fee750
Statement Copy Fee750
2 Column Paper Statement Fee 750
Check Cashing Fee750
Paper Statement Fee1500
Debit Card Replacement Fee2250
Loan Late Fee3750
Returned Deposit Fee3750
Returned Loan Payment Fee3750
Stop Payment Fee4500
NSF/ODP Fee4500

Contact us to redeem your points at 260-432-3433.


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