We have been members of the credit union for many years and have been able to claim the reward dividend at the end of each year since the program started. It’s so easy! A few clicks and it shows up in our account when it’s time for the credit union to disperse them. Not only are there no fees to bank with our credit union, they pay us a dividend reward at the end of each year. Just in time to help with Christmas. Truly a great benefit of being a member!