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Consumers CU 4.09% Guaranteed Thru 6/30/2012

Thursday, October 27, 2011 - 3:48 PMConsumers Credit Union (IL)
A bold move by Consumers!  Certain to grab customers from the mega-fee banks and competitors.

Quote from website https://www.myconsumers.org/en/pe...ecking.asp

Tired of big-bank “bait and switch” teaser rates? Try CCU’s FREE Rewards Checking account, GUARANTEED 4.09% Annual Percent Yield (APY) rate through June 30, 2012! And don’t worry about paying ATM fees* or any administrative fees. There are NO fees . . . and we refund fees from other banks’ ATMs when you meet your Rewards Checking Requirements.* Here is a complete recap on the rate tiers:

    4.09% APY* for deposits up to $10,000.00 for Members meeting the qualification requirements
    0.56% APY* for balances between $10,000.01 and $25,000.00 for Members meeting the qualification requirements
    0.35% APY* for balances in excess of $25,000.00 for Members meeting the qualification requirements
    0.01% APY* for Member who do not meet the qualification requirements

Check out these other great benefits from Free Rewards Checking:

    NO minimum balance required
    NO ATM fees
    FREE VISA Debit Card*
    FREE mobile banking
    FREE online banking and bill payment
    FREE electronic statements
    Unlimited check-writing privileges
    Qualified Members receive Overdraft Privilege, a helpful resource that covers your overdrawn checks and provides you the peace of mind you should expect from a responsive credit union (fees apply)

Anyone can take advantage of these valuable perks, including new Members. Consumers Credit Union only asks that you help us operate more efficiently by banking in ways that likely are already familiar to you.

    Complete at least 12 Debit/Check Card Point-of-Sale purchases
    (transactions must be made without using your Personal Identification
    Number, or PIN, to count towards the minimum of 12 and must post
    and clear your account on or before the last day of the calendar month)
    Each calendar month, one direct deposit OR one ACH debit OR pay
    one bill when using Consumers Credit Union’s free online bill payment
    system, must post and clear your account on or before the last day of
    the calendar month
    Access Online Banking at least once each calendar month
    Receive Electronic Statements (enroll and accept the disclosure)

Even if you don’t meet all four requirements, you’re still rewarded with free online banking and free online bill payment. And although you won’t receive ATM refunds, Consumers Credit Union will pay you 0.01% APY*.

So let the convenience of Free Rewards Checking benefit you. It’s part of our commitment to helping you achieve your financial potential. 
What happens if I don't meet the four requirements listed above?

You will still enjoy free checking with free Online Banking and free Online Bill Payment. You won't earn ATM refunds, but CCU will pay 0.01% APY* dividend (interest) in such cases! With Free Rewards Checking, you get the benefits of free checking with the opportunity to earn higher dividends.
Who can take advantage of Free Rewards Checking?

Anyone - even if you already have another checking account with CCU! New Members, existing Members, friends and family are all welcome to join and enroll in Free Rewards Checking!
With Free Rewards Checking, you can't lose!

To apply online, please click here. To view the terms and conditions, please click here.

* Rate rewards and ATM Fee reimbursements are provided only if qualifications are met within the monthly qualification cycle. VISA's Zero Liability covers transactions processed through the VISA networks. To ensure your transactions are covered, sign for your purchases. Rates listed effective 10/01/2011; all rates subject to change without notice.

 Apply Online
1
waywardwayward49 posts since
Feb 17, 2011
Rep Points: 143
1. Thursday, October 27, 2011 - 4:34 PM
Thanks for posting this.

I have more info on this rate guarantee in this blog post.

It looks like it's another strategy to grab some attention of big-bank customers who are moving their money.
1
Ken TuminKen Tumin5,442 posts since
Nov 29, 2009
Rep Points: 123,743
2. Thursday, October 27, 2011 - 5:51 PM
IF you need a referral to this Credit Union

pdx2iah@aol.com

 
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
3. Friday, October 28, 2011 - 11:43 PM
I am glad to refer you to join the Union. If you are referred by me, I will give you additional $15 bonus to you by Paypal except the $50 referral bunus from the Union. Please send private message (PM) to me.
1
fszyfszy7 posts since
Oct 28, 2011
Rep Points: 12
4. Saturday, October 29, 2011 - 7:17 AM
 

I WILL PAY A LARGER BONUS THAN fszy FOR ANY REFERRALS I MAKE.

pdx2iah@aol.com
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
5. Saturday, October 29, 2011 - 11:16 AM
Auctioneer: "I have $20 from the man in the back for this beautiful $10,000 RCA offering a guaranteed 4.9% until next June.  It's just the item to get you through a cold winter.  $20. Do I hear $25?  Anyone?  $25."
1
dunkerdunker135 posts since
Jun 11, 2010
Rep Points: 403
6. Saturday, October 29, 2011 - 11:19 AM
 

going, going.................gone
2
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
7. Sunday, October 30, 2011 - 3:40 PM
 

Posting from FW

 

"Just wanted to update you guys...
I've been a member since last year and all the people I have referred to the Credit Union have received their $50 bonuses on time and so did I.
Have had no problems at all with them. Great people to deal with. Just make sure you qualify the two months following the month in which you opened your account"
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
8. Thursday, November 3, 2011 - 6:47 PM
IF YOU NEED A REFERRAL ---- EMAIL ME



I WILL PAY MORE THAN ANYONE ELSE TO YOU REFER YOU.



PDX2IAH@AOL.COM Was this post helpful? +1 votes Report this
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
9. Thursday, November 3, 2011 - 6:58 PM
I WILL PAY MORE THAN ANYONE ELSE TO YOU REFER YOU.

POOR GRAMMAR ALERT!!!!   (IN ADDITION TO THE SPAM ALERT ALREADY MENTIONED ON ANOTHER THREAD.)
1
dunkerdunker135 posts since
Jun 11, 2010
Rep Points: 403
10. Thursday, November 3, 2011 - 7:20 PM
ooops --- my bad ---thanks for pointing it out.

IF YOU NEED A REFERRAL ---- EMAIL ME



I WILL PAY MORE THAN ANYONE ELSE TO REFER YOU.



PDX2IAH@AOL.COM
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
11. Thursday, November 3, 2011 - 7:33 PM
How about this?

I will pay the highest additional bonus.

:D

Dunker is commissioned as our local Grammar Police:D
1
51hh51hh1,462 posts since
Jan 16, 2010
Rep Points: 6,352
12. Thursday, November 3, 2011 - 7:46 PM
 

OK -- if it makes him happy

 

I will pay the highest additional bonus.

pdx2iah@aol.com
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
13. Wednesday, November 9, 2011 - 6:46 PM
If you need a referral for Consumers, let me know.

I PAY A HIGHER BONUS, in addition to the $50.00 that Consumers pays, THAN ANYONE ELSE.



Contact me at: pdx2iah@aol.com <mailto:pdx2iah@aol.com>  or PM

 

 

 
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
14. Wednesday, January 18, 2012 - 9:47 PM
I will pay additional $20 to people who is referred by me to join the Union after I get the $50 referral bonus through PAYPAL. Just PM me if you need a referral.
1
fszyfszy7 posts since
Oct 28, 2011
Rep Points: 12
15. Thursday, January 19, 2012 - 4:26 AM
OR YOU CAN PM ME ---- I will pay an additional $22.00

pdx2iah@aol.com
1
MARCIAGMOORE1MARCIAGMOORE13 posts since
Nov 6, 2011
Rep Points: 3
16. Thursday, January 19, 2012 - 7:19 PM
So now pdxmale has his wife spamming for him. He got so embarrassed that he pulled his last spam post, but now that fszy resurrected one of his old spam threads, he decided to get back in the spam business. And now the referral boys (one using his wife as a front) are in a bidding war.  It's both laughable and sad.
4
dunkerdunker135 posts since
Jun 11, 2010
Rep Points: 403
17. Thursday, January 19, 2012 - 8:13 PM
thanks for the bump
1
pdxmalepdxmale93 posts since
Jul 11, 2010
Rep Points: 269
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