Getting your Referral Money is Easy

Existing Members


    • Step 1: Share this page with your friend and share your love of iQ.
    • Step 2: Be sure to read the official rules and disclosures for details*. Once your friend becomes a qualified member, your $50 reward will be deposited into your iQ account!

    • Step 3: Refer more friends! There is no limit to how many friends you can invite to join iQ.
New Members


    • Step 1: Explore all the benefits iQ offers right here on our website! 
    • Step 2: Join iQ! Open your membership at any local branch or online. Be sure to read the official rules and disclosures for details*. To qualify for your $50 reward, you must open your membership with the following services:
      • A savings account
      • A checking account with a debit card
      • An Easy Saver account
      • Sign-up to receive eStatements.
      • Be sure to let the iQ employee you talk to in the branch, or after you apply online that you were referred by a friend!
    • Step 3: Don't forget – now you can refer your friends while enjoying all the benefits iQ has to offer!

Share this with your friends

You can download the official rules here by clicking here.


To Qualify for the Member Referral Reward

New members to iQ Credit union must:

Open a saving account, a checking account with a debit card, an Easy Saver account, and sign up for eStatements.

The new account must be in good standing (account not overdrawn, etc.) at the time that the reward is paid. Members must be completely new to iQ, not existing youth accounts or joint account owners.

Once the above requirements are completed, iQ Credit union will deposit $50 to the new member’s primary savings account, and $50 to the referring (existing) member’s primary savings account by the 15th of the month following the month of account opening. Rewards will be included on your monthly statement from the credit union.

The value of the Referral Reward promotions for new and existing members may be reported to the IRS for the referring member and will be reported on a 1099-INT for the referred member. The recipient is responsible for any federal, state, or local taxes. Rewards are not-transferable, non-assignable and non-exchangeable.

The annual percentage yield (APY) on savings account is 0.05% as of 11/04/2020 and is subject to change. The APY is paid on balances of $100 or more. The membership must remain open and be in good standing at the time the bonus is paid, which is on the 15th day in the month following the month of account opening. New members must deposit $5 in the share savings at account opening, but there are no other account opening minimums or balance requirements for this promotion. Fees may reduce earnings.

Personal Rate Schedule and Disclosures
Personal Fee Schedule


Each new account is eligible for only one $50 referral reward for the new member. There is no limit on the number of rewards for existing members for referring new qualified accounts.


To be eligible for the promotion you must be a natural born person, lawful permanent resident of the United States, 18 years of age or older. The promotion is available to new and existing iQ Credit Union members, based on the requirements above. All new membership accounts are subject to iQ Credit Union’s normal approval process. A minimum opening balance of $5 is required for a Savings Account. Participation in the Referral Reward promotion carries with it a certification from the referred member that the referred member personally knows the referring and the referred is not acting as an affiliate marketer for iQ Credit Union. iQ Credit Union reserves the right to disqualify any referrals in circumstances where iQ Credit Union reasonably believes that referrals were not sent to iQ Credit Union in good faith. Business, trust, estate, club/association, and beneficiary accounts are not eligible for this promotion. Employees of the iQ Credit Union, board members, and their immediate family members are not eligible to participate. Joint account owners from existing membership accounts opening their own new membership account are not eligible for the Referral Reward program. This offer cannot be combined with any other offer.


By participating, you agree to comply with all terms and conditions mentioned herein as well as iQ’s Membership and Account Agreement. The terms and conditions of this promotion are subject to change at any time and the promotion may be discontinued at any time without prior notice

For this promotion, the credit union is unable to release account information regarding the opening or status of any account to anyone other than the account owner. We cannot tell you if a new member has included you as a referral or whether an account has been opened. However, please note that crediting of the $50 to the referring parties account will imply that an account has been opened for the new member.

This credit union is federally insured by the National Credit Union Administration.