This offer is only available to members who received an emailed invitation.

Thank you for being a valued CFCU Member!

For a limited time, you can earn $25 for each new member you refer to CFCU! We’ll give you $25 for each friend or family member who joins CFCU with your unique referral code and opens a qualifying account! ^†

There is no limit on the number of members you can refer – and get paid for!

Referral codes are only available to members who received an emailed invitation.

^† Referral Bonuses: Earn a $25 bonus when you join Communication Federal Credit Union in-branch or online with a unique referral code between 1/1/2024 and 12/31/2024, open a qualifying account* within 90 days and meet all necessary requirements. The referral bonus cannot be combined with other offers. Referral bonus is not available for members who join through an affiliate or dealer partner. Members who receive more than $600 in incentives annually will receive a 1099-Misc.

• Bonus(es) paid to Primary Share in the month following 90 days of membership, if requirements have been met.

* Qualifying Accounts & Requirements:

• Pay Me Checking, Performance Checking¹, Student Checking, Connect Card
  • Must Be Member’s First CFCU Checking Account
  • Within 90 Days of Opening:
    • Receive qualifying (Payroll, Pension, or Government Benefit) Direct Deposits Totaling at Least $1,500
    • Make 15 Debit Card Purchases of at least $10
• Share Certificate
  • Must Be Member’s First CFCU Share Certificate
  • Opening Deposit of at least $5,000
  • Rates starting at 2.85% APY^{^} for a 6-month term. Early withdrawal penalties apply. Click here for a full list of rates and terms. 
• Auto Loan
  • Loan Amount of at least $10,000
  • Must Apply In-Branch or Online
• Signature Loan
  • Must Be Member’s First CFCU Signature Loan
  • Loan Amount of at least $5,000
  • Must Apply In-Branch or Online

¹ Performance Checking Disclosures:

Reward Rate Qualifications:

To qualify for the reward rate and ATM refunds, you must use your Performance Checking account to meet all of the following qualifications during each qualification cycle.

• Make a minimum of 12 debit card purchases (excluding ATM transactions) totaling at least $500. (Posted during each qualification cycle.)
• Receive electronic deposits totaling at least $1,500. (Posted during each qualification cycle.)
• Electronic deposits include direct deposits, ATM deposits, mobile deposits, and electronic transfers from another financial institution.
• Have at least one ACH automatic debit transaction. (Posted during each qualification cycle.)
• Enroll in and receive eStatements.

(1) Balances up to $30,000 receive APY^{^} of 5.00%; and (2) balances over $30,000 earn 0.10% interest rate on portion of balance over $30,000, resulting in 5.00% – 0.10% APY^{^} depending on the balance.

If qualifications are not met, all balances earn 0.10% APY^{^}.

Qualifying transactions must post to and settle in account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to an account. ATM-processed transactions do not count towards qualifying debit card purchases.

“Monthly Qualification Cycle” means a period beginning on the 25th day of the month and ending on the 24th day of the following month. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.

^{^}APY = Annual Percentage Yield. Rates may change at any time without notice.