Relationship Pricing Terms and Conditions

Eligibility:
Under the GCU Relationship Pricing Program,, membership and a GCU checking account is required. All existing and new membership/s will be eligible for benefits with the following conditional disqualifications; account/s is not in good standings and/or has a negative balance, existing loan is delinquent more than 16 days. Benefits eligible on new certificates, loans or GCU tax services. GCU relationship pricing points earned based on the following criteria: years of membership, enrolled in E-statements, enrolled in online banking, ACH deposit to checking account, loan relationship, debit card activity and open certificate(s). Individual points are accumulated per social security number or tax ID number therefore can be interchanged with memberships in which one has ownership. Benefit level qualifications are generated and/or adjusted daily. More than one rewards can be claimed at one time and/or per day.

Benefits and Discounts:
Loan APR discount eligible with auto pay. Loan APR discount benefit will be reflected on loan documents. All loans and rates are subject to credit and underwriting guidelines. Must qualify for Relationship Pricing discount at time of loan booking. Discounted rate will be determined at the time of app or closing, whichever is a greater discount. Discounts will not be given on existing loans. Salvage/Branded, Indirect, Home Equity, Mortgages, Commercial Loans and Credit Cards are not eligible for Relationship Pricing program loan rate discount/s.
Certificate APY bonus will be applied to the published rate at time of eligibility. Certificates will not renew at current bonus certificate rate. Rate as of maturity will be renewal at posted APY rate at that time or new APY bonus may be applied to a renewal certificate, if eligible at that time. Must qualify for increase at the time of opening. Increases and/or bonuses will not be provided on existing certificates. All early termination or early withdrawal fees apply to certificate. Cannot be combined with special offers, if applicable.
GCU tax service discount will be provided at the time of invoicing of services. Must qualify for discount at the time of processing of tax documents and member must request this benefit to be used. Discount will not automatically be applied and no credit or refunds will be provided. Guardian Tax Services, LLC is owned and operated by Guardian Credit Union.

Monthly drawing:
Gift card drawing will be monthly for eligible members. Eligibility is determined on the last day of each month. Must be 18 years old to qualify for drawing. Winners will be randomly chosen no later than the 10th of each month, or the next business day, for the previous month. Winners will be notified via phone or email no later than the 20th of the drawing month. Gift card must be claimed in person at a GCU branch within 30 days of notification or prize will be considered forfeited. The odds of winning vary depending on number of eligible members. Four (4) $50 gift cards winners will be selected monthly. One entry per person, per month and a maximum of four (4) winners per month. Maximum $50 gift card per person, per month and per 12-month duration.

Other Terms and Conditions:
GCU reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the benefits available and entry process of drawing. By participating, you agree to release and hold harmless GCU and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the drawing and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or internet service; (iv) unauthorized human intervention in any part of the entry process or the contest; (v) electronic or human error in the administration of the contest or processing of entries. Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all membership, services and/or loans may be included or eligible for GCU relationship pricing. Benefits and winnings are non-transferable. Any violation of these official rules (determined at Guardian Credit Union’s sole discretion) may result in loss of benefits and privileges will be terminated immediately.

APY- Annual Percentage Yield
APR- Annual Percentage Rate

Contact the GCU for more information at 414-546-7450 or visit guardiancu.org