How to Earn Your Return®

No, your financial relationship with Nusenda Credit Union will determine if you are eligible. If you meet the eligibility criteria, you are qualified for an Earn Your Return distribution.

• Ages 26 and over: You must have a $100 average yearly account balance and have an average yearly loan and/or deposit balance of $5,000.
• Ages 18–25: You must have a $100 average yearly account balance and have an average yearly loan and/or deposit balance of $1,000.
• Ages 0–17: You must have an average yearly deposit balance of $100.

Different groups participate in different economic ways. A younger person may only be able to contribute at a lower level, but can still receive a return for their participation.

Annual dividend distribution is determined by your volunteer Board of Directors. When bonus dividends are distributed, and if you qualify, you will minimally receive $25 for members over 18, and members under 17 will receive a minimum of $10.

All share savings, checking, share certificates, IRA share accounts, IRA certificates, money market accounts, Vacation Club, and Holiday Club accounts qualify. Investment accounts are not eligible.

All credit cards, auto loans, signature loans, extra-credit line-of-credits, equity loans, equity line-of-credit, and any mortgage loans with payments that are made to Nusenda Credit Union qualify.

Your volunteer Board of Directors determines annual bonus dividend distribution. When dividends are distributed, the amount is determined by your participation in your Credit Union. The more you participate in your financial cooperative, the more money you can earn. Schedule an appointment with a Financial Consultant to learn how you can increase your return.

The decision to pay Earn Your Return is made each year by your volunteer Board of Directors and is based on the economic performance of the Credit Union.

Although you may have an Earn Your Return-qualifying product, this benefit of Credit Union membership is not guaranteed. The Earn Your Return bonus dividend amount is dependent on Nusenda Credit Union's financial performance. While it is the intent of Nusenda Credit Union to pay an Earn Your Return bonus dividend every year, the program is subject to cancellation or change.

The more you financially participate in your Credit Union, the greater the dividend. Consolidating all of your financial relationships with your Credit Union will help you earn larger returns when bonus dividends are distributed. Schedule an appointment with a Financial Consultant to learn how you can earn your return. Earn Your Return bonus dividends are not guaranteed annually.

We are excited to be able to distribute member dividends to many Nusenda members this year. Dividend qualifications state that members must be on-time with their loan payments, with no deferrals. If you believe that you were eligible for a dividend payout, please contact us so we can review your member relationship. Thank you for choosing us for your financial needs.