Relationship Rewards

Score big with SAFCU’s Relationship Rewards! No need to sign up - you earn points towards your benefits package on all of your combined account balances in loans, deposits, electronic services and length of membership. The more you use our services, the more points you earn and the better we can meet your financial needs. Enjoy free services, discounted loan rates and fees waived. Whether you are a saver or a spender you can score big with SAFCU’s Relationship Rewards. And if you have been with SAFCU for 40+ years you are already a “Loyalty Plus” member*.

Check out our Score Card and calculate your current relationship points by simply adding the points for every loyalty relationship you have with SAFCU.

Features and Benefits

Checking Loyalty Plus Loyalty
Complimentary 1 box of free checks (Annually) 
0.025% Dividend on Checking Account3 
Waive Temporary Check Fees
ATM/Debit Transactions Loyalty Plus Loyalty
Waive SAFCU Foreign ATM Fee - $2.502 
Waive ATM Inquiry Fees
Waive ATM Deposit Adjustment 
Santa Ana FCU and CO-OP Free 
$500 daily ATM Cash Withdrawal Limits 
Waive Visa Cash Advance Fees 
Waive ISA Fees 
Loans Loyalty Plus Loyalty
0.25% APR Additional Loan Rate Reduction4
Credit – Closing Costs Fees – Mortgages+ $1,000 $500
Certificates3  Loyalty Plus Loyalty
0.025% APY Certificate Bonus Dividend 3 month CD
0.050% APY Certificate Bonus Dividend 6 month CD
0.075% APY Certificate Bonus Dividend 12 month CD 
0.100% APY Certificate Bonus Dividend 24 month CD 
0.125% APY Certificate Bonus Dividend 36 month CD 
0.150% APY Certificate Bonus Dividend 60 month CD 
Additional Services Loyalty Plus Loyalty
Waive Dormant Account Fees
Waive Endorsement Guarantee Fees 
Waive Money Order Fees 
Waive Verification of Deposit Fees
Waive Card Replacement Fees*(Not Rush) for 2 cards for 1 card
Waive Paper Statement Fees
Unlimited Coin Redemption
Waive Cashier’s Check Fees
Waive Wire Transfer Fees – Domestic (INC/OUT)
Waive Photocopy Fees of Check Dep. To SAFCU Acct**
Waive Printout Fees of Checking Acct History
Waive Photocopy Fees of SAFCU Check**
Waive Notary Fees***

Loyalty Membership Terms and Conditions: Loyalty Membership is available to all Santa Ana Federal Credit Union Members age 18 and over. You must be a Member in good standing with the Credit Union and keep at least $5.00 in your Regular Share Account to be eligible. Members who have been disqualified from Loyalty Membership are not eligible for the 40+ Year Relationship. Accounts are reviewed regularly to determine continued eligibility for Loyalty Membership. Loyalty Membership is good for a month and is reviewed at that time to ascertain continued eligibility. Loyalty Membership benefits will be reviewed on a monthly basis. We reserve the right to modify the terms and conditions of Loyalty Membership at any time. Certain terms and restrictions apply. Loyalty Membership is achieved for individual accounts. Members with multiple accounts must achieve Loyalty Membership for each account. SAFCU ATM Fee Waivers only apply to fees assessed by SAFCU; you may still be charged fees by the terminal owner.
Bonus on Checking Accounts: The bonus is available for Loyalty Plus Members. Eligibility for the bonus continues as long as Loyalty Plus Membership is maintained, based on monthly evaluation. The bonus is applied to the Annual Percentage Yield (APY) beginning the first of the month after you achieve Loyalty Plus Membership.
Bonus for New and Renewing Certificates: Existing Members: Eligibility for the bonus is based on Loyalty Membership level. For Members who opened a new Certificate prior to October 1, 2017, eligibility and amount of the bonus does not apply. Certificates opened/renewed October 1, 2017 and after, eligibility and amount of the bonus is based on their Loyalty Membership level at the time of the Certificate opening/renewal.
Rate Discounts on Vehicle Loans: The Loyalty Plus Membership Annual Percentage Rate (APR) Discount will apply at the time of loan origination for new loans. The Loyalty Plus Membership discount does not apply to Members who are currently disqualified from Loyalty Membership.
Closing Cost Discount: Eligibility for closing cost discount is based on Loyalty Membership level at time of loan origination plus the relationships that the Member would achieve with the new loan. This discount is valid when a Member refinances a mortgage loan from another lender to SAFCU. It is not valid for refinances on an existing SAFCU mortgage. Contributions toward borrower’s closing costs from third parties including lender credit cannot exceed maximum limits established by the loan program for which the borrower qualifies. 
This Credit Union is federally insured by the National Credit Union Administration.

*Does not include Rush. **Does not include subpoena requests for check copies. ***Not to include Real Estate Notary (Real Estate Notary fees $10 each). ****Not to go below SAFCU floor rate and does not apply to real estate, credit cards, and personal lines of credit. +Applies only to new purchases and refinances from another Lender. ++APR=Annual Percentage Rate. +++APY=Annual Percentage Yield. 1Points may not be combined between accounts. 2Surcharge from other financial institutions may apply. 3Dividends are subject to change daily. 4Rates are subject to change daily.