In online banking, members see both their Tiered Services points (member points) and possible points. 
 
Points awarded for aggregate balances can cause a variance in the amount of possible points granted.  Members with higher aggregate balances could be granted a more possible points than a members with lower aggregate balances. 
 
Additionally, credit unions can award points for years with the credit union.  For these credit unions, long-time members are granted more possible points (as well as member points).