# Member Benefits ## Unlock exclusive rewards, discounts, and products ## Take advantage of exclusive member perks Exclusive access Unlock an opportunity to apply for a TopUp loan and get extra funds.1 Free credit monitoring Stay on top of your credit score and report with DebtIQ. Bigger savings Earn 4.00% APY with [LevelUp Savings](https://www.happen.com/personal-banking/savings/high-yield-savings) when you deposit $250+ per month.2 Cash back rewards You could earn cash back on debit card purchases and Happen Bank personal loan payments with [LevelUp Checking](https://www.happen.com/personal-banking/checking/levelup-checking). Personalized offers See tailored recommendations and offers in your Happen Bank app. ATM rebates Receive unlimited ATM fee rebates on ATM fees charged by other banks.3 Faster member applications Fill out an expedited personal loan application in minutes. Early payday Get your paycheck up to 2 days earlier with direct deposit.4 Helpful resources Enjoy financial tips in our resource center, access to local programs, and more. ## Members-only products ## DebtIQ **Monitor all of your debt in one place for free** - See your credit score and report anytime in the Happen Bank app. - Use our smart simulator to see how different actions could impact your score. - Get real-time alerts about changes to your credit report. ## TopUp loan **Swap your current loan and get the extra funds you need** - Receive an invitation to apply for a TopUp loan if you're up to date on payments 6 months after getting your Happen Bank loan.* - You could lower your payments with a competitive rate and make one single monthly payment. - Once approved for funding, we’ll send your money in as little as 24 hours.5 *Conditions apply1 ## It pays to be a member 35 pts Improve your credit Members who use a Happen Bank personal loan to pay down high-interest credit card debt see an average FICO score increase of 35 points.6 83% Save more money 83% of members say that Happen Bank products help them keep more of what they earn.7 23% Less interest paid Members pay 23% less in interest, on average, when they consolidate credit card debt.8 ## Explore loans and banking products [Get Started](https://www.happen.com/) ## Make it happen in the app Get the Happen Bank app and never miss a beat.4 * - 1Members are required to have been on books for at least 9 months with their current Happen Bank Personal Loan and not have taken a new Happen Bank loan during that time. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, credit usage and history. - 2 **LevelUp Rate** of 4.00% Annual Percentage Yield (“APY”) is accurate as of 07/24/2026. **Standard Rate** of 3.00% APY accurate as of 07/24/2026. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. - 3Unlimited ATM fee rebates on ATM fees charged by other banks are only available on LevelUp Checking or LevelUp Savings accounts. - 4Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor’s support of such features. - 5Between January 2026 to March 2026, 64% of Happen Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays. - 6Between Jan 2025 to March 2025 borrowers who paid their creditors directly by Happen Bank to refinance at least 51% of their qualifying debt within the first three months of taking out a personal loan from Happen Bank saw an average FICO score increase of 35 points. Individual results are not guaranteed and vary based on multiple factors, including but not limited to payment history and credit utilization. - 7Based on a survey of Happen Bank personal loan between June 18 – June 30, 2024. - 8Between April 2026 and June 2026, on average, the APR for a Happen Personal Loan was 18.40% with an origination fee of 6% and a principal amount of $15,262 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data. Between January 2026 and March 2026, the average APR for credit cards was 21.00%, according to publicly available information published by Federal Reserve. - 9Standard data and message rates may apply to Mobile Banking services. This includes the use of Happen Bank Mobile, Happen Bank Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.