| Definition of Terms |
 |
A 'household' is all the members
with the same address AND last name. Members living
at your same address with different last names
can be combined into a household at your request. |
|
Household deposits are the combined average daily
balances of all savings accounts. |
|
Loan balances are the combined actual balances
of all loans as of the close of business on the
last calendar day of the month. |
|
'Vehicle Loan' refers to the purchase of any
new or used vehicle: RVs, jet skis, boats, autos,
etc; excluding mobile homes. Rebate also awarded
on refinance of Non-APGFCU vehicle loans. |
|
Levels are determined on the last day of each
month. Depending on your activity and household
balances, your level CAN change from month to month.
With a checking account, your current level will
be printed on your monthly statement. Without a
checking account, your current level will be printed
on your quarterly statement. Any branch or call
center representative can advise you of your current
level. |
| Eligibility |
|
Levels are determined on the last day of each
month. Depending on your activity and household
balances, your level CAN change from month to month.
With a checking account, your current level will
be printed on your monthly statement. Without a
checking account, your current level will be printed
on your quarterly statement. Any branch or call
center representative can advise you of your current
level. |
|
Only balances for accounts in good standing are
calculated for the determination of a level. |
|
New Members will automatically receive Silver
Level benefits for up to 60 days from joining. |
|
MyTimes Plus benefits, for those 65+, override
those offered in a given level. |
|
Business accounts are not eligible for inclusion
in Member Rewards. |
| Rebates & Discounts |
|
Benefits for your level are available to you
on the 1st day of the calendar month following
the month in which the benefit was earned. |
|
Discounted and free transactions at Out-of-Network
ATMs do not include surcharges that may be assessed
by the institution that owns the ATM. |
|
Personal loan discounts apply only to unsecured
personal loans, excluding APGFCU Visa® credit
cards. The discounted rate will remain in effect
for the term of your loan, regardless of whether
changes in household deposit or loan balances cause
you to move between levels. |
|
To receive the rebate on the refinance of an
APGFCU first mortgage or home equity, refinanced
loan amount must be $25,000 more than original
loan amount. |
|
Loan rebate awards will be credited to your share
account 60 days after loan closing. |
|
The Gold Level benefit of FREE checks is limited
to the Basic style only. Substitution of check
style is not permitted, and credit will not be
issued in lieu of the Basic style. |
| Confidentiality of Information |
|
We are prohibited
under federal and state law from disclosing any
information on any account used in connection with
calculating your household balances of which you
are not an owner. |
