For You For Your Friends Disclaimers

Send a qualified referral our way and you could earn up to $660!

ACU's favorite reward? Cash!

Here's the deal: We will pay you for each qualified new member you send our way, up to five. You'll get $75 for your first referral, $85 for your second, $100 for your third, $150 for your fourth, and $250 for your fifth. Earn up to $660 in total!

Referrals rewards are paid as direct cash transfers to your checking account. A qualified referral is achieved when the new member opens a checking account and uses their debit card. It's that easy!

Your friends get paid too!

If the friend/ family member that you referred comes to us and opens an checking account, an debit card, and completes one debit transaction, we will deposit $100 into their account. If they download the free CardControl app, we will up it to $125. Add an initial direct deposit or loan product and we'll up it another $75 for a total of $200 in easy rewards.

Our mission is to help anybody we can, especially those still locked into one of the big banks. The appplication is simple: apply online here or visit us at one of our branches.


New members: "Active accounts" are defined as having a checking account and using your debit card a minimum of one time. Arapahoe CU will automatically review the account at 60 days to see if qualifications are met. If a member reaches this threshold after 60 days, it is the member's responsibility to contact ACU for payout. You may also contact us when conditions are met for a near-immediate payout (upon qualification). CardControl incentive can be paid upon full card registration.  Loan qualifications will be met upon funding or opening of a loan product. Direct Deposit incentive will be considered complete when an electronic payroll distribution is received. Payouts are available for Direct Deposit OR a loan product.  Opening both will only result in a single payment of $75 as noted.  

Current members: Qualification for payout is determined by the payout of the referred member. That is, you will receive your referral reward at the time we pay out a qualified referral. This will coincide with the referred member meeting any or all qualifying activities. At our sole discretion, we may choose to pay out good faith efforts to refer new members who do not qualify. Arapahoe CU may further, at its sole discretion, make immediate payouts for any account. The determination of these payouts will be based on member history, past relationship, and referral history with the credit union.

General disclaimers: Let us know if you have any questions. Restrictions may apply throughout the account and payout process. Approval is required on all new accounts/ products. Arapahoe CU is only obligated to pay on fully qualified referrals. We may, at our sole discretion pay out on good faith attempts to refer new members. This "new member referral" payout is limited to one per membership/ person. Current members may be paid as outlined above. This promotion is not available when using other promotions. ACU is Federally Insured by the NCUA. Restrictions may apply. Members are responsible for all IRS reporting. Values shown are max values. Offer subject to change or cancelation at any time and without notice.

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