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totalREWARDS Personal

Total Rewards - Personal - Credit

Rewards Reimagined.

Welcome to totalREWARDS, where you'll earn rewards for every purchase made using your Education First VISA Credit or Debit card. That's right. Every swipe, tap and click earns you points that can be used for whatever your heart desires. So go ahead - prepare to be spoiled.

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You Deserve To Be Rewarded!

We're excited about our new rewards program, and we're not even shy about it! 

Introducing totalREWARDS, only at Education First Federal Credit Union. 

Some bank and credit union rewards programs only let you earn points on certain types of purchases, or only from certain stores or websites. But not at Education First. We believe you should earn rewards for every purchase!*

Want more good news? As a totalREWARDS member, you can combine the points you earn on purchases from your debit and credit cards allowing you greater access to travel, merchandise, gift cards and yes, even cash back!  

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totalREWARDS Debit Cards

Cash is so passè. Watch the points pile up when you use your totalREWARDS debit card for everyday purchases. Groceries, streaming services, dry cleaning, pet name it, you'll earn rewards for it.  Start earning one (1) point for every four (4) dollars you spend when you:

  1. Sign-up for safe and secure eStatements through online banking AND
  2. Complete 20 signature based transactions** every month OR have a direct deposit of $500 or more each month into your Education First checking account.

totalREWARDS Credit Cards

Earning rewards is easy. In fact, it's so easy you don't have to do a thing. Every time you make a purchase you'll automatically earn one (1) point for every dollar you spend on purchases. Online and in-person - every single purchase will result in rewards

*Education First credit card purchases earn points automatically. To earn points for purchases made using your totalREWARDS debit card, simply 1) Sign-up for secure eStatement delivery easily via Online Banking, and 2) Have a direct deposit of $500 or more each month into your Education First checking account OR use your debit card for 20 signature based purchases each month. TotalREWARDS Terms and Conditions.  

Questions about totalREWARDS?

Don't worry. We've got you covered. Check out these FAQs.


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Handy Tools at Your Disposal.

Calculate your budget, see and compare the latest rates and discover what perks you gain for being a member of Education First Federal Credit Union.



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