Earn points, easy. From day one.

No need to enroll, we got you. And earning points is as simple as having a loan with us, or doing everyday things like using your debit and credit cards, and more.

Henry, an Affinity Plus member, on a teal background

Henry, Affinity Plus Member

All the ways to earn

Spend

Your debit card earns 1 point per $4 in net purchases.

Your Premier Select Rewards Visa^® credit card earns 1.25 points per $1 in net purchases.

Your Visa^® Platinum Rewards credit card earns 1 point per $1 in net purchases.

Borrow

Consumer loans, HELOC loans and 2nd mortgages earn 8 points a month per $1,000 in average daily loan balances.

First mortgages earn 100 points per month.

Loans must be current to earn points.

Save

Your deposit accounts (savings, checking, money markets, and certificates) earn 4 points a month per $1,000 in average daily savings balances.

More Ways

Everyone can earn by watching your email for special point-earning offers.

Affinity Plus debit card and credit card

All the rewards options

Gift Cards

Choose from dozens of popular retail and restaurant chains.

Starting at 6,500 points.

Travel & Events

No blackout dates for travel! Don’t have enough points for the entire cost? Use points for part of it, and your credit card for the difference. And Events offer plenty of ways to have fun closer to home.

Starting amounts vary.

Cash Back

Premier Select Rewards Visa^® credit cardholders can use points for a credit to their savings account - as long as the card is open and active.

$50 in cash = 6,250 points.

Merchandise

Take your pick from electronics, home furnishings, sporting goods and a whole lot more.

Starting amounts vary.

Charitable Donations

Want to pay your points forward? You can help fight hunger in your community, support the Special Olympics and more.

Starting at 1,250 points.

Refund a Fee

Within 60 days of being charged one of the below fees, you can use your points to request a refund.

Consumer Loan/Credit Card Late = 2,000 points

Courtesy Pay/Overdraft Fee = 2,000 points

Gift Card = 500 points

Minimum Balance = 1,000 points

Stop Payment = 4,000 points

Skip-a-Pay = 3,750 points

Wire Transfer = 3,000 points

Loan Rate Reductions

Save when taking out a new consumer loan. Consumer loans include: Auto, Bicycle, Homeowner Debt Consolidation, Homeowner Personal, Personal Loan (lump sum, not the revolving line of credit), and Recreational Vehicle.

.25% off your interest rate:

Balance up to $15,000 - 5,000 points.

Balance over $15,000 - 10,000 points.

.50% off your interest rate:

Balance up to $15,000 - 10,000 points.

Balance over $15,000 - 20,000 points.

To get a reduction: Apply online for a new eligible loan. Then after getting a preapproval email with your rate, tell the member advisor that you’d like to redeem points for a reduction.

Rate reduction is only applicable to consumer loans with a term of less than 8 years.

Quick Win

$50 Gift Card – 6,500 points

Within 60 days of opening an Affinity Plus Better Than Free Checking or Interest Reward Checking account:

Make 15 debit purchases for 5,000 points.*
Register for online banking for 500 points.
Complete 2 payroll direct deposits for 1,000 points.
Plus, enroll in digital statements for an additional 500-point bonus!

Best bang for your points

Big Gift Card

$100 Gift Card – 12,000 points

If you wait until you’ve earned more points, you can double your gift card’s value for fewer points (7.5% fewer).

Reduce Your Rate

.25% off your interest rate – 5,000 points

Use your points for a lower rate when taking out a new, eligible consumer loan.

Help for Neighbors

$10 Food Bank Donation – 1,250 points

You can pay points forward, too. If you select Second Harvest, your donation goes to a food bank that services your community.

Or save up for the big stuff

A night in Thailand

46,805 points

Hot air balloon ride

32,361 points

Dinner cruise for 2

38,611 points

Race a stock car

29,111 points

Ready to get your rewards?

Now for the fun part. When it’s time to browse all your choices, just log in to online banking or your mobile banking app, then look under your account list for MyPlus Rewards.

Go to Online Banking

Maggie, a Minnesota resident, on a purple background

Maggie, Minnesota Resident

Standard MyPlus Rewards program terms and conditions apply, and these can be reviewed once you log in to digital banking and access your rewards.

*Five thousand points will be earned for opening a new Better Than Free Checking or Interest Reward Checking account, and using its debit card to make 15 purchases within 60 days of opening the account. This offer’s available only to new Better Than Free Checking and Interest Reward Checking accounts, one per membership, and only to members who haven’t already held an open Affinity Plus checking account in the last 12 months. This offer excludes the Spending Account.