Household Scoring for Tiered Services is a feature that allows all members to be placed in the same Tiered Service level as the highest member of that household.  However, when Lifetime points are calculated CU*BASE uses the individual member's score to determine the number of points they will earn.

For example, John and Jane Doe are in the same household.  In January, Jane earns 350 T.S. points, enough to be placed in the Gold level.  John earns only 150 points, which would place him in the Basic level.  However, since the credit union is using Household scoring, John will also be placed in the Gold level, with his wife.

When the system then evaluates the Lifetime points to be accumulated, Jane will earn 350 Lifetime points and John will earn 150.  Not the 350 points that his wife earned.