Refer a Friend

Refer friends and family members to the Credit Union today!

If you love the Credit Union, share it! When you refer a friend or family member, you’ll each receive a $25 deposit* when they join and deposit $25.

 

It Pays to Have Friends

Get a chance to earn up to 8.00% APY1 with PowerPlus™ Checking for three months when your referral opens an account and sets up a direct deposit of at least $1,000. Learn more about PowerPlus Checking.

Ready to refer? Get started in just a few steps:

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Send Invitation

Share your referral link or invitation via email with eligible friends and family.

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Registration

Your eligible friends and family join the Credit Union via your referral link or email invitation.

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Earn Money

You’ll both receive a $25 deposit when your referrals open a membership and deposit at least $25.

Curious about who can become a Credit Union member? There are four ways to qualify — watch this quick video!

Frequently Asked Questions

  • Who can I refer?

    Anyone! Refer friends and family to the Credit Union and get $25*.
    If your referral lives outside of the Chicagoland area and does not currently work for one of our Company Partners, they may be eligible for BCU membership through Life. Money. You.® subscription. Learn more.

  • Why should my friends and family join?

    The Credit Union is owned by its members, not faceless stockholders. That’s why friends and family can expect lower rates, lower fees (and no fees when possible), higher dividends, and more innovative products and services than they’d get at many other financial institutions. Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. Individual Retirement Accounts (IRAs) are insured separately for $250,000.

  • Disclosure

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    *Open to U.S. legal residents who are 18 years or older. To qualify for the referral offer, the existing member must refer a new member to the Credit Union via your referral link or email invitation. The referred new member must open a membership with the Credit Union and deposit at least $25 in the first 15 days of account opening. A person seeking Credit Union membership must also meet at least one of the criterial found at BCU.org/Membership-Eligibility. The existing referring member and the new member will each receive a well-being deposit of $25.00 into their Share-01 Regular Savings account approximately fifteen (15) days after the referred new member opens a membership and makes the required $25 deposit. The minimum qualifying deposit balance must remain in the account until time of funding. The Referral Deposit to the new member are considered bonuses and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). Both the referred membership and existing membership must be in good standing to receive offer. To be in good standing requires at a minimum: You are not in default of any loan or other obligation to BCU, You are not subject to any legal or administrative order or levy, You have not caused a loss to BCU as stated in our Expulsion Policy found at BCU.org/Legal/Terms-of-Use.


    1. To receive the PowerPlus Checking introductory offer to earn up to 8.00% APY for 3 months, the referred new member must open a membership and PowerPlus Checking between 9/1/2024 and 12/31/2024. The 3-month introductory period begins the month the membership is opened and ends on the last calendar day of the 4th month. During the introductory period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the introductory period, balances up to $15,000 will earn the state higher rate and the portion of the balance over $15,000 will earn the stated lower rate. The existing referring member will receive the promotion for a 3-month period beginning the month after the referred membership meets a minimum monthly direct deposit of $1,000 and ends the last calendar day of the third month. The minimum monthly direct deposit of $1,000 must occur by the last calendar day of the 4th month from the referred membership open date. During the 3-month period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY. PowerPlus™ Checking is available as a personal account only and is limited to one account per member. For complete details see the Product Feature, Service Charge and Fee Disclosure in the Consumer Member Service Agreement. No substitution for offer allowed. Void where prohibited. BCU's decisions are final and binding on all matters relating to this promotion. BCU employees and immediate family members are eligible for this offer. BCU, at its sole discretion, may terminate, in whole or part, and or modify, amend, or suspend this promotion in any way, at any time, for any reason without prior notice. Sponsored by BCU, 340 N Milwaukee Ave, Vernon Hills, IL 60061.

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