Relationship Rewards

It's like a free upgrade to first-class every time you turn around.

A Parade of Perks

Highlighted features of product

Free ATMs
No surcharge when you access cash at 30,000 CO-OP ATMs nationwide.
Earn extra
Many of our accounts offer accelerated savings rates.
Lower-cost solutions
Take advantage of money-saving options on auto, personal, and home loans.
More is better
High-balance accounts can qualify for big-time advantages.

At Four Points, 'extra' is an everyday thing.

We believe our members deserve more than 'average' or 'ordinary.' Every day, we work overtime to provide the best service possible. But we also know that our smiling faces don't put food on your table. That's why we've loaded up our accounts and loan options with valuable perks designed to put more money in your pocket.

Savings & Checking

Here are some of the extras you can get with one of our Premier Checking, Purchase Rewards Checking, Regular Savings, or Money Market accounts.

  • Nationwide surcharge-free access to nearly 30,000 CO-OP Network ATMs
  • Free debit card with no annual fee
  • Free Mobile and Online Banking services, including mobile deposit*
  • Free electronic Bill Pay services*

Premier Checking

It doesn't take much to reap a bounty of rewards from our high-performance Checking account. All you need to do is sign up for eStatements, arrange for electronic deposits, and make regular use of your debit card.
  • Earn a premier dividend rate on your Premier Checking account, up to $25,000**
  • Earn an extra .05% APY dividend rate on active Money Market account balances**
  • Access to Ampre Cash Back Rewards system with your Four Points FCU Debit Card
  • Free box of checks annually

High-Balance Accounts

You can push your finances to a higher level when you have a combined balanced of $50,000 or more in your active Savings, Checking, or Money Market accounts.
  • Term Certificate rate matches***
  • All overdraft transfer fees waived
  • All wire transfer fees waived
  • Higher Mobile & Online transfer limits, upon request

Loans and Lending

At Four Points, we take pride in our wide range of affordable lending solutions. But there are ways to push your auto, personal, and home loan rates down even further.
  • Automatic loan payment discount****
  • 2nd loan relationship discount****
  • Eligibility for our lowest rate credit card, including no annual fee, balance transfer fee, or cash advance fee****
  • $100 processing fee discount on first lien position real estate loans
Curious about a specific benefit, or want to know more about our Relationship Rewards? Contact us at, visit our Omaha branch, or give us a call at 1-(800)-323-2786.



*Some services within Mobile and Online Banking have separate processing fees.
**Premier Checking and Money Market must be on the same account number. See rate sheet and account disclosures for complete details. APY is Annual Percentage Yield.
***Some limitations and exclusions may apply. Please contact us for more details.
****Not all loans qualify for discount. Loans and listed credit card offer subject to credit approval, based on creditworthiness. Discounts may be changed or discontinued at any time. See current loan rate sheet for details.
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

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