Eoy member reward dividend (2000 x 1000 px) (1080 x 1080 px)

End-of-Year Member Reward Dividend

Your membership has extra rewards...

Towards the end of every year, American United chooses to reward our members with a special reward dividend. For 2025, members must claim their dividend online by no later than December 28th. Our Member Reward Dividend is another one of those perks that makes us different. Upgrade any of your services or add any products in order to maximize your dividend.

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Deposit Accounts

Loan Accounts

Cards & Services

Deposit Accounts

Reward dividends for the following:

$5 for GoldStar® Membership
$5 for Certificate Account
$5 for Money Market Account

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Loan Accounts

Reward dividends for the following:

$5 for Overdraft Line of Credit Loan
$15 for Auto Loan
$5 for Signature Loan
$20 for Real Estate Loan
$5 for Recreational Vehicle Loan

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Cards & Services

Reward dividends for the following:

$10 for Active Debit Card
$10 for Active Credit Card
$15 for Direct Deposit

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I love getting my bonus dividends at the end of every year! This is the only place that I know of that does this. Just remember that members have to "claim" them online every December."

First Californian Member

frequently asked questions

What is the Member Reward Dividend?

The Member Reward Dividend is an annual program where First Californian returns an extra dividend to our members to thank them for their membership and support during the year. This is our 13th year offering the Member Reward Dividend! Starting in late November and continuing through December 28th, members can claim their Member Reward Dividend on our website, and it will be paid into their account at the end of the year. The Member Reward Dividend requires an active claiming process, and only members who claim their reward via our website will receive the dividend. Unlike the regular dividends that are paid via deposit balance, the Member Reward Dividend is paid via products utilized, so the more a member utilizes our products and services, the more they receive.

What is required to claim it?

The Member Reward Dividend is based on products and services as of November 21, 2025. A member will need their member number, last name, email, and zip code, as they were in listed on their account on November 21, 2025. When accessing the claim form on our website, the form will ask for these four fields, and after submission will report back to the member the status of their request and whether or not their reward was claimed successfully. Upon successfully claiming the reward, the products and services they are specifically being rewarded for will be listed on the page, and will also be emailed to the member for confirmation. Additionally, please note that the Member Reward Dividend is based on memberships, so if an individual/household has multiple memberships, the reward can be claimed for each membership.

When can members claim their reward?

The ability to claim your available rewards began on November 25th this year. Members must claim their reward dividend by no later than December 28th, 2025 to be eligible to receive it.

Why do members have to claim their reward?

The Member Reward Dividend program is intended to encourage members to interact with the credit union and to thank the members who utilize our products and services the most. Unfortunately, members who don’t claim their available rewards online by December 28th will not receive them.