Member Rewards

At TOPCU, we work very hard to provide the best service and financial products to all of our members—and every member is important to us. As a cooperative organization, TOPCU strives to provide mutual benefits to our members, keeping the costs of all of our services as low as possible.

When members use many or all of our services, it demonstrates higher levels of support and loyalty to the credit union. This also helps to generate revenue for TOPCU, so we can provide more and better services back to our members! Additional benefits are offered through our Rewards programs.

TOPCU offers a number of Member Benefit Rewards programs:

  • Gold Membership
  • Gold Life Membership
  • Money Market Rewards
  • Loan Discounts
  • Nickel Back Checking
  • Visa Credit Card Rewards

Benefits of Membership

  • Credit unions are economic democracies. Each credit union member has equal ownership and one vote.
  • Credit unions assist members to become better educated consumers of financial services.
  • Discounts and Special Passes to area businesses and more!

GOLD Membership

Qualifications for meeting Gold membership have been enhanced as well. These changes allow us to continue with a Rewards program that cooperatively serves the credit union while also helping individual members. Gold Membership is awarded to members who meet the following qualifications on a monthly basis:

  • Maintain an open checking account
  • Debit card activity: At least 15 purchase transactions with a minimum of $5 per transaction
  • A minimum monthly direct deposit of $500 into your TOPCU account
  • Participation in E-Statements

Some of the Gold Membership benefits include:

  • Up to $6 a month refunded ATM fees when you do transactions at non-TOPCU ATMs
  • Free temporary checks ($1 per 4)
  • Free lost plastic card replacement ($10)
  • Free Official/Cashier’s Checks ($5 each)


GOLD LIFE Membership

Members who have been with TOPCU for 40 years or more are automatically awarded Gold Life Membership!

Other Rewards Programs Available to Members in Good Standing

Money Market Accounts

TOPCU offers Money Market accounts for members who want to earn a higher return on savings than our traditional Share/Savings account. Refer to our current rates here

Loan Discounts
Loan rate discounts are available for signature loans and lines of credit, direct auto, direct motorcycle, direct RV, and bike loans. Discounts include: Direct Deposit = 0.10%, Automatic Payment = 0.10%, LTV less than 81% = 0.15%; Gold Life = 0.25%. Maximum total discount a member can receive is .25%. INDIRECT LOANS obtain through a dealership DO NOT qualify for discounts.
Nickel-Back Checking
Nickel-Back checking accounts provide $.05 paid to the account holder for each debit card purchase transaction. To qualify, the member must be enrolled in eStatements.
Credit Card Rewards
Offering Low rate and Rewards account types. Introductory low rate for first 6 months. Optional Rewards credit card that will accumulate rewards that can be used toward merchandise, gift cards, and travel.

TruStage Insurance Discounts

Credit Union member exclusive discounts on Home, Auto, Life, and Accidental Death Insurance products.

Learn about TruStage Insurance offers for Members >

Sprint Wireless Offers Discounts to Members

Sprint Wireless offers discounted services and cash-back rewards to all TOPCU members. Learn more about the Sprint Works Credit Union Member Cash Rewards program.

Sign up with Sprint and enjoy the rewards >

Get Away Today Discounts

TOPCU Members receive discounts on tickets and vacation packages to Disneyland and other area attractions.

Start packing >

Discounts Off Your Enterprise Rental

Click on the link for discounted car rentals, just for being a member at TOPCU!

Find a rental >

Purchase a Vehicle with Enterprise Car Sales

Enterprise Car Sales offers members a hassle-free car buying experience.

Browse the Enterprise inventory >

Receive 35% Off Dunn Edwards Paint

TOPCU Members receive a 35% discount on all Dunn Edwards manufactured paint products. Simply mention that you are a member of Tucson Old Pueblo Credit Union.

Store Locator >