Member Benefits

As a Redstone Federal Credit Union® member you are part of financial cooperative. The more you get involved with this cooperative - the more benefits you can enjoy!

Redstone MembersPlus

Redstone MemberPlus!


When you get a checking account at RFCU®, you're automatically upgraded to Redstone MemberPlus! This gives you great benefits such as:


  • Better rates on loans (auto, recreational vehicles and Astro)
  • Discounted fees (safe deposit boxes, wire transfers, check fees and more!)
  • Better rates on some share accounts

 

Redstone CashBack!

 

Now you can earn CashBack with debit card purchases when you open a Relationship Checking or Extra Checking® account at Redstone Federal Credit Union. You can also enjoy earning CashBack with Redstone’s Visa Signature® and Visa® Rewards credit cards .

  • Earn CashBack on your debit card purchases every month
  • Get CashBack on all your credit card purchases—not just certain categories of purchases

 

Redstone Rewards

Redstone Rewards!®


When you add online banking to your checking account, you can take advantage of Redstone Rewards! This free program lets you earn cash on the things you already buy.

  • Click | to add offers to your debit card
  • Shop | with your card to redeem offers
  • Enjoy | cash deposited in your account

 

Redstone Discounts

Redstone Discounts!®


Members can also enjoy the power of RFCU membership when shopping at select local retailers. When you see the Redstone Discounts! emblem at a local shop, ask for your RFCU special discount. Then use your Redstone debit or credit card to receive it instantly! The list of participating merchants continues to grow, so check back often. You can also look for the Redstone Discounts! logo at retailers.

 

Redstone BusinessPlus!®

 

When you get a business checking account at RFCU, you're automatically upgraded to Redstone BusinessPlus! This gives you great benefits such as:

  • Better dividend rates on certificates
  • Discounted fees (wire transfers, check fees and more!)

Must be eligible for membership and open a share savings account in order to join RFCU, to obtain a loan, open a checking account, or a business share savings account. A $5 minimum balance is required to open and be maintained in share savings account at all times. Must not have caused RFCU a loss (certain exclusions apply) in order to be eligible to open a checking account. Minimum opening deposits, average monthly balances, and monthly checking maintenance fees apply to the checking accounts. The deposit and balance amounts and the checking maintenance fees vary per checking account type. Please contact the Credit Union for more information about these amounts and fees. Age and other restrictions may also apply. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender.

For Relationship Checking accounts: $500 minimum initial deposit required to open checking account; $8 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or an average monthly balance of $500.

For Extra Checking® accounts: $100 minimum initial deposit required to open checking account; $5 monthly checking maintenance fee waived with one Direct Deposit credited to the account per month or an average monthly balance of $100.

For Endeavor Checking accounts: $50 minimum deposit required to open checking account; first 500 transactions are free each month then $0.20 per item over 500.

For Endeavor Plus Checking accounts: $100 minimum deposit required to open checking account; first 250 transactions are free each month then $0.15 per item over 250.

Redstone CashBack on debit card purchases: You will receive: $.05 CashBack for every Point of Sale (POS) debit card transaction you complete after the first eight POS transactions per month from an Extra Checking account; or $.05 CashBack for every POS debit card transaction you complete after the first four POS transactions per month from a Relationship Checking account. Only active Extra and Relationship Checking accounts in good standing will receive Redstone CashBack rewards. Rewards will only be given for debit card POS purchases after the four or eight per month threshold is met and will not be given for the first four purchases per month for Relationship Checking accounts or the first eight purchases per month for Extra Checking accounts. Rewards will not be given for ATM, cash advance, or balance inquiry transactions. Redstone CashBack rewards will be posted on the 5th calendar day of each month.

Redstone CashBack on business debit card purchases: Business Debit Card CashBack is a debit card reward program for business members with an Endeavor or Endeavor Plus Checking account. With Business Debit Card CashBack, you will receive $0.10 CashBack for every Point of Sale (POS) debit card transaction you complete after the first four POS transactions per month from an Endeavor or Endeavor Plus Checking account. Business Debit Card CashBack rewards will be posted on the 5th calendar day of each month. Only active Endeavor and Endeavor Plus Checking accounts in good standing will receive Business Debit CashBack rewards. Rewards will only be given for debit card POS purchases after the four per month threshold is met and will not be given for the first four purchases per month. Rewards will not be given for ATM, cash advance, or balance inquiry transactions. There is no limit on the number of rewards a business member may receive each month after the applicable threshold is met.

Redstone CashBack on credit card purchases: For Visa Signature and Visa Rewards only, net purchases will receive a 1.5% annual CashBack rebate. Qualifying net purchases are defined as purchases, less any merchandise returned for credits. The annual CashBack payout for January 2017 will include statement periods April through December 2016. CashBack rewards will be calculated based on January through December monthly statements and will be deposited to the primary cardholder’s savings account in January of the following year. To be eligible to receive the rebate, the credit card account must remain open and current for the entire accrual period. Balance transfers, cash advances, and other CashBack promotional offers are not included in the CashBack rebate calculation. Contact RFCU® for more details about the CashBack rebate.

Online Banking: Must have PIN/password to access online banking. Must have Company ID, User ID, and password to access Business Online Banking. Some restrictions apply.

MemberPlus!, BusinessPlus!, Redstone Discounts!, and Redstone Rewards: Must have a RFCU checking account to obtain a debit card or to participate in Redstone MemberPlus! or Redstone BusinessPlus! Redstone Discounts! and Redstone Rewards are provided by participating merchants. Must use an RFCU debit or credit card to receive discounts. You must have a checking account, debit card, online banking, and PIN/Password to participate in Redstone Rewards. RFCU does not warrant, guarantee, or insure any product, purchase, or service offered by participating merchants. RFCU and participating merchants are separate entities.

 

Redstone is Different
from a Bank

Learn about some membership benefits that you won't find at a bank, and how you might qualify to join.

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Member Newsletter

Enjoy Aspire! our new member newsletter that promises to be informative, informal and fun. We hope you will see how Aspire! can inspire you.   

MemberPlus! Video

Learn more about member benefits!

MemberPlus! Video

MemberPlus! Video

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To Become a Member

Learn how easy it is to join Redstone! Could be through your work, church or even a family member.

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Maximize Your CashBack

Find out how to earn more CashBack on your everyday purchases with these six quick tips.

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Telephone our Member Connect
Center at 800-234-1234
Monday – Friday: 7 am – 7 pm
Saturday: 8 am – 5 pm