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

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 ($5)
  • Free Official/Cashier’s Checks ($5 each)

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

Other Rewards Programs Available to Members in Good Standing

Money Market Accounts
TOPCU offers a savings rate bump for Money Market accounts. Actual rate and amount of bump determined and applied as directed by the ALCO, CEO or Board of Directors.

Loan Discounts
Discounts on in-house loans, including signature loans, direct auto loans, RV loans. Solar loans and credit card accounts have their own rewards and rate programs. Maximum total discount a member can receive is .25%.

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 E-Statements.

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.

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 as listed below!

Other Benefits for TOPCU Members

Receive a Special Discount off your Enterprise Rental

Receive a Special Discount off your Enterprise Rental

Click on the link to receive a special discount on your next car rental, just for being a member at TOPCU! Enterprise Rental

Sprint Wireless Offering discounted services to all TOPCU members.

Sprint Wireless Offering discounted services to all TOPCU members.

Sprint Wireless Offering discounted services to all TOPCU members. For more information, use this link Sprint Wireless

Purchase a vehicle with Enterprise Car Sales

Purchase a vehicle with Enterprise Car Sales

TOPCU has partnered with Enterprise Car Sales to offer our members even more benefits for being a part of TOPCU. You can view their inventory here: Enterprise Car Sales Inventory

Receive 35% off Dunn Edwards Paint

Receive 35% off Dunn Edwards Paint

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.


Rates may be fixed or variable and may include discounts or other promotional conditions. Rates are subject to change without notice.