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Just wanted to say "Thanks" for the surprise VIP Member Loan Rebate Dividend letter I received today. I love receiving free money.

- Sandra S
Member Since 1999
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VIP Program Dividends

VIP Program Dividends

VIP members who earned a Loan Rebate Dividend or a Deposit Bonus Dividend received a special payout into their Primary Savings Account. It was possible to receive both dividends.

Payouts are tiered and based on your business with us in 2015. Past dividends are not indicative of future payouts.

Looking ahead, we are going to spend 2016 performing a thorough analysis of all of our member rewards programs, including VIP. Our goal is to build a framework for a new, comprehensive member rewards program that we can announce and implement later this year.

Loan Rebate Dividend

Loan Rebate Dividends are based upon total loan interest paid.They are calculated as the sum of the monthly interest paid,not accrued,on all loans(non-business)listed under a single membership number for the calendar year 2015.

2015 Loan Rebate Dividend
Total Loan Interest PaidLoan Rebate Dividend
$750-$1,999.99$50
$2,000-$4,999.99$100
$5,000-$14,999.99$200
$15,000+$500

Deposit Bonus Dividend

Deposit Bonus Dividends are based upon year-end average daily balance.They are calculated as the average of the month-end average daily balances of all shares(non-business)listed under a single membership number for the calendar year 2015.

2015 Deposit Bonus Dividend
Year End Average Daily BalanceDeposit Bonus Dividend
$10,000-$99,999.99$50
$100,000-$249,999.99$100
$250,000-$499,999.99$200
$500,000+$500

Only Coastal deposits count toward Average Deposit Balances.Wealth Management assets under management do not count.Business Accounts,Custodial Accounts,and Trust Accounts are not eligible.