Rates

With qualifying loan or Certificate

Rates effective as of 10/1/2022

Without qualifying loan or Certificate

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:

¹Earn 2.02% APY² on your average³ balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000.00⁴ per month, and have at least 11 posted⁴ debit and/or credit card transactions per month. Additionally, earn 0.50% APY on average balances greater than $10,000 when you have a qualifying loan or Certificate⁵ or 0.20% APY on balances greater than $10,000 when you do not have a qualifying loan or Certificate. If you don’t meet the qualification requirements you will earn 0.05% APY on your average balance.

² APY = Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet Frontier Credit Union membership and account opening requirements.
³ Interest earned based on average daily balance.
⁴ ACH deposits must be in the same account.
⁵ Posted transactions cleared by the end of the account statement cycle. Debit card transactions will only count if made from the Velocity Checking share.
⁵ The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.
⁶ This advertisement is not affiliated with, endorsed by, or sponsored by any third-party company. Frontier Credit Union will not assume any direct payments for subscription services. The examples of subscriptions provided herein are illustrative of potential expenditures that may be financed using interest accrued on your account, contingent upon meeting specific eligibility criteria. Please note that certain restrictions may apply.

⁷Frontier Credit Union CURewards Program 

Participation in the CU Rewards Program (“Program”) is available to eligible cardholders (“Participants”) whose accounts are enrolled by Frontier Credit Union (also referred to as the “Credit Union”). By using an Eligible debit card or credit card, Participants agree to these Program Rules and Conditions.

Membership & Account Eligibility
Members must be in good standing in order to qualify for the Program. Accounts that are delinquent, restricted, over limit, closed, or otherwise not in good standing may not qualify or may be suspended from participation in the Program. Only standard consumer and business memberships qualify for the Program; court-restricted accounts, fiduciary accounts, and similar accounts do not qualify. Points may also be forfeited due to fraud, misuse, abuse of the Program,
or violation of these Rules. All eligibility determinations are made in Frontier Credit Union’s sole discretion.

Card Eligibility
Eligible Cards include consumer debit cards, Visa Signature Cards, and Business Rewards Credit Cards. Spirit Debit and Credit cards are not eligible for Rewards points; HELOC cards and Classic Credit Cards are ineligible. Business debit cards are ineligible.

Earning Points
Participants earn Points for Qualifying signature-based debit and credit card retail Net Purchases (defined further below). Points are earned based on posted transactions, minus refunds, credits, or adjustments, during each statement cycle and will appear on the following monthly statement.
Returns and credits will reduce your Points regardless of the amount of time between the transaction and the return or credit.

Transactions using a PIN in lieu of a signature do not earn rewards points. Cash back, cash advances, balance transfers, and ATM transactions do not earn rewards points.

“Net Purchases” means the total Qualifying Purchases made with your Eligible Card, less any returns, credits or adjustments that are not payments. A “Qualifying Purchase” is any Purchase made with your Eligible Card as the term “Purchase” is defined in your Frontier Credit Card Agreement. The following transactions are not Qualifying Purchases and therefore Points are not awarded on them: finance charges, other charges, fees, debt protection fees, or cash advances of any kind, including but not limited to balance transfers, convenience checks, automated teller machine (ATM) and bank teller withdrawals, wire transfers, the purchase of money orders, cashier checks, travelers checks, or other negotiable instruments, foreign currency, wager or lottery tickets, casino gaming chips, payments of loans, funding of accounts, or similar cash equivalent transactions. Frontier Credit Union and its service provider reserve the right to
determine whether transactions are Qualifying Purchases that are eligible for rewards at its sole discretion.

Earning Rates for Consumer
Debit Card – 1 Point for every 2 dollars spent
VISA Signature Credit Card – 2 Points for every dollar spent

Earning Rates for Business

Business Rewards Credit Card –
Introductory Rewards: 2 Points for every dollar spent for the first 12 months.
After that, standard rewards of 1.25 Points for every dollar spent.

Points begin to accumulate with Qualifying Purchases Participant makes beginning on the first day of the billing cycle in which their Program begins and ending on the last day of the last billing cycle of the announced duration of their Program. Points earned from Net Purchases and Point adjustments made between billing cycles will be deemed as earned after being posted to Participant’s next monthly card statement. Points from Net Purchases are typically awarded
within one (1) to three (3) business days after Qualifying Purchases post to your Eligible Card accounts.

Redeeming Points
Points are redeemable through a program administrator, Velera Solutions, LLC (“Velera”), which administers the Program through a rewards website, CURewards.com. Participants are required to register through Frontier Credit Union’s online banking portal to redeem points through the rewards website. Participants can see their Point redemptions and balances online at CURewards.com. Points may be redeemed for available rewards featured on the rewards website or within the Program, including merchandise, travel, cash back, or statement credits, where applicable. Reward options, Point values, and availability are administered by a third party, Velera, and are subject to additional terms and conditions controlled by Velera. Those terms may change without notice, and you agree that the Credit Union will not be responsible or liable for Velera’s acts or omissions in administering the program. According to Velera’s current terms
and conditions, certain rewards may be limited in quantity and may be substituted with an item of equal or greater value if necessary. Points are non-transferable and may not be combined with other promotional offers or another account’s rewards unless specifically authorized. We reserve the right to verify and adjust rewards or Points at any time. If you or we close all of your Eligible Card(s) or terminate your participation in the Program, all rewards or Points will be forfeited, even if one or more of your Eligible Cards are later reopened or you re-enroll in the Program. Rewards and Points are not transferable and cannot be bought, sold, or used as payment on any of your accounts or loans with the Credit Union, unless specifically authorized by Frontier Credit Union. Points are not your property and have no cash value until redeemed for rewards or merchandise rewards. Any Points balance remains the property of the Credit Union
until redeemed, and the Points balance will remain the property of the Credit Union should you fail to exercise your redemption rights. Any questions as to eligibility for any reason shall be resolved at the sole discretion of the Credit Union. Points or rewards do not pass to a Participant’s Payable-on-Death Beneficiary. We reserve the right to refuse to allow Participants to redeem Points if any of their Frontier Credit Union deposit or loan accounts are closed by us, suspended, delinquent, past-due, over limit, not in good standing, or otherwise in default, or if your enrollment in the Program is terminated or
suspended. Rewards and Points are not awarded on an Eligible Card after it is closed. Additionally, all rewards and Points will be forfeited and no additional rewards or Points will be awarded on your Eligible Card(s) if one or more of them are closed by us, suspended, delinquent, over limit, or otherwise in default.

Point Expiration
Points expire three (3) years from the date earned and are redeemed on a first-in, first-out basis.
Expired or forfeited Points cannot be reinstated.

Shipping, Returns, and Warranty Information
The terms and conditions for shipping merchandise are controlled by Velera, and Participant is subject to the terms and conditions available on CURewards.com. In general, and without making any specific guarantee, most merchandise rewards ship within 2–3 business days,
although some items may require additional processing or manufacturer shipment times. Delivery times are not guaranteed. Damaged or defective items are subject to the terms and conditions available on CURewards.com. Manufacturer warranties may apply, and may modify the remedy available from CURewards, if any. Digital rewards are non-returnable and nonrefundable once issued. For more details on merchandise shipment limitations, please refer to the
merchandise section on the fulfillment provider’s website. The merchandise offered in this Program may be subject to standard manufacturers’ warranties.
Warranty claims must be directed to the manufacturer. The Credit Union is not responsible for any defects in any reward. You agree to indemnify, release and hold harmless the Credit Union from any and all liability for any loss, expense, accident, injury, death or inconvenience that may arise in connection with the use or defect of any reward, or your participation in the Program.

Travel Rewards
The terms and conditions for travel rewards are controlled by Velera, and Participant is subject to the terms and conditions available on CURewards.com. Additionally, travel rewards are subject to the terms, conditions, and restrictions of the applicable travel provider, including airlines, hotels, rental car companies, cruise lines, and tour operators. Travel rewards may be nonrefundable, non-transferable, and subject to fees, taxes, carrier rules, and availability restrictions. The Credit Union is not responsible for any problems with your travel rewards. You agree to indemnify, release and hold harmless the Credit Union from any and all liability for any loss, expense, accident, injury, death or inconvenience that may arise in connection with the use or defect of any reward, or your participation in the Program.

Program Changes and Termination
Frontier Credit Union and Velera reserve the right to modify, suspend, restrict, or terminate the Program, reward offerings, Point values, or these Rules at any time. Accumulated Points may lose value or be canceled upon Program termination. Frontier Credit Union and Velera reserve the right to correct errors or omissions at any time, including errors affecting Point balances or reward redemptions.

Taxes and Liability
Participants are responsible for any applicable federal, state, or local taxes associated with rewards or redemptions. Determination and payment of any tax liability is your sole responsibility; consult your tax advisor. Frontier Credit Union, Velera, and participating vendors are not responsible for the acts,
omissions, performance, or failure of third-party providers, manufacturers, travel suppliers, or other vendors associated with the Program. We do not offer, endorse or guarantee any of the goods or services provided as part of the Rewards Program.

Additional Terms
This Program is void where prohibited by law. Additional local rules or promotional opportunities may apply and will be disclosed separately by Frontier Credit Union. The laws of the State of Idaho govern the Program and these terms and conditions. This Program is subject to all other terms and conditions of your applicable Membership & Account Agreement, Card Agreement, and any other agreement you have with the Credit Union.

⁸Eligible ACH direct deposits may be made available up to 2 business days before the scheduled payment date for certain payers. Early availability depends on when we receive notice of payment from the payer, may vary even from the same payer, and is not guaranteed. Not all direct deposits are eligible. We may stop offering this service at any time, and it is your responsibility to verify sufficient available funds.