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Member Referral

How Does iQ’s Refer-A-Friend Program Work? No Codes, Just Connections

We’ve gone above and beyond to make this program as simple and seamless as possible. 

Existing Members

New Members

  • Step 1: Share this page with your friend and share your love of iQ.
  • Step 2: Once your friend becomes a qualified member, your $100 reward will be deposited into your iQ account! Be sure to read the official rules and disclosures for details*.
  • Step 3: Refer more friends! There is no limit to how many friends you can invite to join iQ.

  • Step 1: Join iQ! Open your membership online or at any local branch. Read the official rules and disclosures for details*.

To qualify for your $100 reward, you must join with these services:

    • Savings account
    • Checking account with a debit card
    • Easy Saver account

Then, don't forget to check these boxes: 

    • Sign-up to receive eStatements.
    • Be sure to let the iQ employee you speak with that you were referred by a friend!


  • Step 2: Use your new membership to refer your friends while you revel in all the benefits iQ has to offer!

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    For Our Existing Members

    If you’re considering referring a friend to iQ, thank you! It means the world to us. Here’s how it works:

    1. Tell your friends and family about your experience with iQ.

    2. If they indicate that they plan on signing up, tell them to mention your name during the sign-up process.

    3. Once your friend or family member opens an account and mentions your name, we’ll connect the dots. As long as you both qualify, we’ll send you an automatic payout of $100 each after 60 days.

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    For Those Ready to Join the iQ Family

    Here’s a quick rundown of the process:

    1. Start by talking to our team to join our community. While you’re signing up, name-drop the person who referred you. We’ll take care of the rest!

    2. Quickly check the requirements to make sure you both qualify. We’ve listed those out below.

    3. Complete the signup process. For qualified accounts, after 60 days, there’ll be $100 waiting for both you and your friend.

Refer-a-Friend Program Qualifications

Wondering whether you and your friend or family member qualify to benefit from this program? 

We’ll keep this simple and straightforward—here are the main qualifications to know about: 

  • The new member must be 18+, a lawful permanent resident of the U.S., and new to iQ. 
  • The new member must open a savings, checking, and Easy Saver account.
  • The new member must obtain and maintain an activated debit card.The new member must enroll in eStatements. 
  • The new member must maintain a minimum balance of $5 in their savings account. These requirements must be met within 60 days of the membership’s start date. 


Ready to Join a Community That Thrives on Shared Success? 

There isn’t any limit to referring, so the more you share about our community, the more you benefit. We look forward to welcoming your referred friends! 



Member Referral Program Disclosure

*New member must be 18 years of age or older, a natural born person who is a lawful permanent resident of the U.S. and be new to iQ in order to participate in referral program. New member must open a savings, checking and Easy Savings accounts, obtain and maintain an activated debit card, and enroll in e-Statements. Minimum balance of $5 required in savings account to qualify. Requirements must be met within 60 days of membership being opened. Account must be open and in good standing at time of referral reward deposit (which will occur 61 days after account opening). The savings account annual percentage yield (APY) is 0.05% as of 6/01/2023 and is paid on balances of $100 or more. Subject to membership qualification. Terms, conditions, and rates may change at any time. Reward value may be reported to the IRS, recipient responsible for any taxes. Full details and rules at Insured by NCUA.

TISA Disclosure

The annual percentage yield (APY) on savings account is 0.05% as of 07/07/2021 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 61st day after 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 $100 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, guardianship/conservatorship, court ordered/blocked, representative payee/custodial, UTMAs, youth, and memorial/donation accounts are not eligible for this promotion. Employees of 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.

Good Standing: An account is considered in good standing, and therefore eligible for this program (if all other eligibility is met), if the account, at the time the referral is paid, is not overdrawn by more than thirty (30) days, no legal orders (such as levies or garnishments) have been placed against the account, no iQ Credit Union loan in which you are obligated to pay is more than thirty (30) days past due, regular deposits sufficient to cover transactions are made, and the mailing address on the account is valid.

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 $100 to the referring parties account will imply that an account has been opened for the new member.