MyPoints Rewards FAQ
MyPoints Rewards is a valuable, free program that rewards our eligible members for their everyday spending. Every purchase with an eligible Neighborhood Credit Union Visa Debit Card adds up to rewards points that can be redeemed for exciting gifts.1
If you are an eligible member with a debit card, an account within the MyPoints Rewards portal has already been created on your behalf. To claim your account, simply click “Start Here”. Enter the required information and click ”Search”. You must have an email address to claim your account and the account will never expire.
Earn points by using your Neighborhood Credit Union Visa Debit card for daily purchases like groceries, pharmacy, gas station, or online shopping instead of paying with a check, cash, or credit card.2
You will earn one point for each $100 spent on a Neighborhood Credit Union Visa Debit Card!
No. MyPoints Rewards is entirely free, and all eligible Neighborhood CU debit cards will be enrolled automatically.
Once you’ve earned enough to select a prize, you can redeem your points for great rewards in a breeze at myncu.com/redeem.
It only takes 100 points to get your first set of free gifts, or you can save your points for bigger, better rewards in the future!
Visit our MyPoints Rewards FAQ page for additional questions.
No, Neighborhood Credit Union uses its own lending criteria when making final loan decisions. However, Credit Score can show you estimated savings opportunities on new and existing loans. Final rate, term, monthly payment, and other factors will be determined at the time of application.
No, Neighborhood Credit Union does not have access to your credit file unless you choose to share with them. However, if you would like to share your credit report with Neighborhood Credit Union or any trusted party, you can easily download your SavvyMoney credit report but navigating to the “Credit Report” tab and clicking “Download Report”.
Credit Score uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Neighborhood Credit Union.
The Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors.
Based on your Credit Score information, you may receive Neighborhood Credit Union pre-qualified offers (invitation to apply) on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have or can save you money on your monthly payments. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.
No. Checking Credit Score is always a “soft inquiry”, which does not affect your credit score. Typically, lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.
Yes. After you have enrolled in Credit Score for the first time, Credit Score will monitor and send email alerts when there’s been a change to your credit profile. When applicable, you can also find these monitoring alerts within your online or mobile banking account.
If you access Credit Score through your online banking, you are all set and no further action is required from you! Your email address will get updated automatically when you update it within online or mobile banking. We always encourage you to inform Neighborhood Credit Union of any contact information updates.
If you signed up with Credit Score from our website, please log into the website and navigate to the “Profile Settings” section under “Resources” within the tool.
Yes, you can easily choose when Credit Score contacts you. Navigate to the “Resources” tab and then under “Profile Settings” you can choose which email notifications you receive. Credit Score sends out three types of emails: Credit Monitoring Alerts, General Messages and Monthly Notices. You will be automatically enrolled in all email communications and can easily unselect the specific email types you wish to not receive.
Yes, Credit Score and all other features are available on mobile and tablet devices and is integrated within our mobile banking app.
¹Qualifying transactions must clear your account and post to your account no later than the end of the applicable calendar month to be counted. For example, if a purchase with your card occurs on the last day of the offer month but does not clear your account until the first day of the following calendar month, then that transaction will not be included in the calculation for the month in which you used your card. Rewards in program valued from 100 to 100,000 points. Rewards subject to change without notice and program may be terminated at any time. Points valid for 2 years from the first day of the month in which the Points were issued. Points awarded per checking account. See website for specific program terms. For ongoing card purchases, one point is awarded for every $100 spent with a signature or a PIN transaction. ATM transactions do not apply. Points awarded in relation to dollars spent subject to change without notice.
²Reward Points vary by retailer. ©2022 Velocity Solutions, LLC. All rights reserved. 22163709U