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An illustration of two friends sharing in a circle, with a dollar sign in the middle.
An illustration of two friends sharing in a circle, with a dollar sign in the middle.
An illustration of two friends sharing in a circle, with a dollar sign in the middle.

Share STCU with friends and family.

Love your credit union? And your friends?

Get $50 for every friend or family you refer to STCU, after they join the credit union, open a checking account, and complete a few basic account requirements.* They get $50, too!

How to make referrals.

  1. Register at
  2. Use the referral form to invite friends and family to join STCU. 
  3. Get rewarded after your referrals complete account requirements.

Earn up to $500 every year!

There's no limit to the number of referrals you can make, and you can earn up to $500 each calendar year. The more friends who join STCU, the more you can earn. Once the account requirements are met, STCU will deposit $50 into your STCU account within 45 days.

Account requirements.*

To qualify for the referral money, your friend must become a new member by opening an STCU checking account with a debit card, then completing the following within 90 days of account opening:

  • Make at least one direct deposit of at least $250 or more;
  • Complete five or more debit card transactions (ATM withdrawals excluded);
  • Enroll in online statements.

Checking accounts can be opened online and debit cards picked up at any STCU branch location.

Direct deposit can be set up with your employer, the Social Security Administration, investment firms, or other agencies that regularly mail you paychecks or dividend and benefits checks.  Your referrals will need STCU's routing number — 325182700 — and their new 10-digit checking account number. 

Broaden your share.

To broaden your number of friends, family, and other contacts, share this offer via social media or download the ReferLive App at the Apple Store or Google Play

You can also make a referral online at or by calling a referral ambassador at (888) 216-5765.


*See complete terms and conditions.

There is no minimum checking account balance required for new members to earn the $50 bonus, but you must meet the account requirements within 90 days of opening to qualify. Once the requirements have been met, STCU will deposit the bonus into your active deposit account within 45 days. The $50 bonus is for new STCU members only. This offer subject to change, and may end at any time.

Annual percentage yield (APY) for STCU's dividend checking account is 0.75% on the first $5,000, 0.10% on $5,001 to $10,000, 0.15% on $10,001 to $25,000, and 0.25% on amounts over $25,000. The rate is accurate as of the last dividend declaration date and may change after account opening. Fees may reduce earnings.