Emory Alliance Credit Union
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About Us: Member Rewards
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 Levels of Member Rewards
  FAQs   

 VALUE REWARDS: Combined total deposits and loan balances less than or equal to $24,999.99

 Free Services

  • Online Banking
  • Identity Theft Protection (1)
  • Bill Pay
  • ATM/Visa Debit Card (1)
  • Loan Discounts (-0.25%) with Direct Deposit (2) or Auto Loan Payment (2)

 CLASSIC REWARDS:  Combined total deposit and loan balances of $25,000 to $74,999.99

 Free Services

  • Online Banking
  • Identity Theft Protection (1)
  • Bill Pay
  • ATM/Visa Debit Card (1)
  • Cashier's Check (one per month)
  • Money Orders (five per month)
  • Checks (one box of Emory Alliance CU standard checks per year)
  • American Express Traveler's Cheques (one-signature, no fee)
  • Visa Gift Card (one per month)

 Additional Benefits

  • Bonus Rates on Share Certificates & IRAs (+0.25%) (3)
  • Loan Discounts (-0.25%) with Direct Deposit(2) or Auto Loan Payment (2)
  • Refunds for Non-Emory Alliance CU ATM Transaction Surcharges (up to two per month at $2 each)

 PREMIER REWARDS:  Combined total deposits and loan balances greater than or equal to $75,000

 Free Services

  • Online Banking
  • Identity Theft Protection (1)
  • Bill Pay
  • ATM/Visa Debit Card (1)
  • Incoming / Outgoing Domestic Wire Transfer
  • Cashier's Checks
  • American Express Traveler's Cheques (two-signature, no fee)
  • Money Orders
  • Visa Gift Cards (two per month)
  • Free Network ATM withdrawals at Nonproprietary ATMs
  • Checks (one box of Emory Alliance CU standard checks per year)

 Additional Benefits

  • Bonus Rates on Share Certificates & IRAs (+.50%) (4)
  • Loan Discounts (-0.25%) with Direct Deposit5 or Auto Loan Payment( 5)
  • Additional Loan Discounts (-0.25% on consumer loan rates only) (5)
  • Refunds for Non-Emory Alliance CU ATM Transaction Surcharges (up to four per month at $2 each)
  • Refund on Stop Payment Fee (one per month)
  • Reduced Mortgage Loan Origination Fees (-0.25%) (6)
  • Refund on Overdraft Privilege Fee (one per month)
About ATM Surcharges:  Emory Alliance CU may refund $2 per ATM transaction surcharge at non-proprietary ATMs .  However, you may be assessed a surcharge greater than that amount, depending on the institution and its ATM.  Emory Alliance CU members have access to surcharge-free transactions at ATMs in Georgia through CU24 / CU HERE ATM networks.   To find a surcharge free ATM near you, visit www.cu24.com and click on the CU Here Surcharge-Free Program.

(1) For checking account holders only.
(2) Maximum of 0.25% on loan discounts. Consumer loans are comprised of auto loans and personal loans.
(3) Maximum of 0.25% on bonus rates.  Advantage Club members cannot combine bonus rates from the Member Rewards Program with bonus rates from the Advantage Club Program on certificates and IRAs.
(4) Maximum of 0.50% on bonus rates.  Advantage Club members cannot combine bonus rates from the Advantage Club Program on certificates and IRAs.
(5) Maximum of 0.50% on loan discounts.  Consumer loans are comprised of auto loans and personal loans.
(6) Cannot combine with other mortgage loan offers or promotions  .
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We do business with the Federal Fair Housing Law and the Equal Credit Opportunity Act.