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Earn Co-op Points Automatically!**

• 1 Point for every $1 of dividends you earn on Term Deposit AccountsBase Savings AccountsGoal Savings Accounts or Checking Accounts
• 1 Point for every $1 of interest you pay on most UMassFive loans
• 1 Point for every $10 you spend using your

Buzz Points has instituted a cap on points of $1,000 on a single transaction with non-Recommended Local Merchants (National and Local merchants).

For example, if someone makes a single, $10,000 transaction on their debit card with a Local Merchant, their Buzz Points award will be capped at 1000 (

Buzz Points is a free community focused debit card reward and loyalty program that encourages members to shop locally. Learn more here.

Your point value will be automatically adjusted to reflect the return.

You can earn Buzz Points with Bill Pay if you use the number on your debit card to make the payment. If you use the account number, it is an ACH transaction, and you will not earn Buzz Points.

Once you have earned enough points to redeem a gift card you can do so by logging in to your Buzz Points profile, clicking on the "Rewards" tab of your home screen, selecting a gift card you would like to receive and clicking the icon. Follow the onscreen instructions and agree to the terms and

Be sure that you verified your email address by clicking on the link in the email you got when you registered. If you have not verified your email address, you cannot redeem from your computer or mobile app. To resend the verification email, log in to Buzz Points on your computer, go to “Rewards”

If you feel a company should be labeled as “local” and not “national” log into your Buzz Points account and select the “Activities” tab located at the top of the screen. Find the transaction you have concerns about and click on the plus sign to expand the information. You will then see a button

Co-op Points may be redeemed to raise the rate on a term share certificate, lower the rate on most consumer loans, or waive a number of fees.

No. Co-op Points is a reward system that we provide each member as a way of thanking them for doing business with us. You can use them to lower loan rate, raise term share certificate rates, and waive several fees.