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Member Rewards Loan Buydown

Turn Member Rewards points into big savings!

Apply for an Auto Loan

Redeem points for a reduced rate.

Turn your Member Rewards points into savings on a new or refinanced vehicle loan!* Redeem points to reduce your rate by 0.50% on a number of loan term lengths:

Loan Term:

Points per $10,000 Borrowed

36 Months*


48 Months*


60 Months*


72 Months*


84 Months*


For example, if you borrowed $24,000 at 48 months, you'd redeem 30,000 points to reduce your rate.

*Minimum redemption amount is 7,500 points on a 36-month term. Redemptions must be in full point increments (see example above). Points will not be refunded in the case of early payoff. Offer subject to termination at any time, without notice. Member Rewards Terms & Conditions apply.

Payment example – Assuming a $10,000 auto loan for 48 months at 5.24% (redeeming 10,000 Member Rewards points to reduce your rate 0.50%, from 5.74% to 5.24%) the monthly payment would be approximately $231.38. In this example, the difference in interest rate equates to approximately $2.28/month or $109.44 over 48 payments.

Turn points into savings.

Lower your HELOC closing costs.

Take $100 off your HELOC closing costs for every 12,000 Member Rewards points you redeem. Simply let your loan officer know that you’d like to redeem points to lower your costs.

Apply for a HELOC Loan

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Minimum redemption amount is 12,000 points for a savings of $100 towards closing costs. Points must be redeemed in increments of 12,000.

Real life adds up. Why not get rewarded for it?

Wings Member Rewards makes it easy to earn rewards for the simple things you do every day. From buying groceries and gas to shopping online, earn points that you can redeem for rewards you’ll actually use.

Learn about Member Rewards

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