If you Love Us, Refer a Friend and Earn up to $125* for each referral!

Earn an Initial $25 Cash Reward!

As the referring member you'll receive a cash reward of $25 each time a referred friend opens a new account—your friend also receives a $25 cash reward—everyone wins!

Refer a Friend

Earn $100 More!

After 6 months both you and your friend can earn an additional cash reward of $100 if your referred friend meets these minimum qualifications for our Simply Checking program:

  • eStatement enrollment
  • eBanking and/or mBanking usage at least monthly
  • Twenty debit card purchases per month
  • Recurring Direct Deposit

Have Lots of Friends?—Get Lots of Cash!

As an existing member you can refer as many members as you want. Pretty cool, right?

It's So Easy!

Just fill in the boxes below and hit submit. We'll take care of the rest.

My Information

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Referral Information

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*Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All membership, accounts, and loans are subject to approval. You must be a St. Paul Federal Credit Union member to refer a new member. When a current member refers a new member to the Credit Union, both the referring member and the new member will receive a $25.00 credit to their S1 Savings Accounts within 30 days of account opening, assuming the accounts are open. The new member must open at least an S1 Savings account and an S10 Simply Checking Account within 60 days of the referral. A minimum of $5 is required to open an S1 Saving Account, and a minimum of $50 is required to open an S10 Simply Checking Account. If the new member has an Active Account after 6 months (On the review date), both the referring member, and the new member will receive a $100 credit to their S1 Savings Accounts, assuming the accounts are open.  Active Account is considered an S1 Savings Account with at least a $5.00 balance, and a Simply Checking Account with recurring monthly direct deposit of at least $500 per month, member enrolled for eStatements, member using eBanking/mBanking at least 1 time per month, and member using their debit card at least 15 times per month. Referred member must be at least 18 years of age to qualify. All regular account opening procedures apply; referred member must be eligible for membership and meet the account opening qualifications set by St. Paul Federal Credit Union. Referral bonus funds will be reported as dividends earned on IRS Form 1099-INT and you are responsible for any applicable taxes. There are no limits to the number of referrals a member can have in a calendar year. Referred member must indicate who referred them by name at the time of account opening to qualify for any referral payments. This offer may be cancelled at any time without notice.

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