FIGFCU Referrals | Share Benefits Of Membership | Earn Bonus Cash
Skip to main content
Farmers Insurance Federal Credit Union

Routing Number: 322077795

Give The Gift Of Membership

Refer a Friend. Earn Rewards Together.

Now, when you refer someone for membership, you and your referral have even more ways to earn bonus cash – up to $350 each! And there’s no limit to the number of referrals you can make, or cash you can earn.

How it works:

  1. Invite: Share the referral offer via the form below.
  2. They join: Your referral joins the Credit Union and opens eligible accounts within 10 days of joining.
  3. They qualify: Your referral must complete the qualifying requirement(s) in their first 60 days.
  4. You both get paid: Bonuses are reviewed after day 60 and posted within 45 calendar days thereafter to your Membership Savings accounts.

Qualifying Bonus Accounts

  • Checking Account — $50 Bonus
    • Open a FIGFCU Checking account and post 2+ separate ACH Direct Deposits totaling $2,000+ in the first 60 days of account opening.
  • Auto Loan — $50 Bonus
    • Open and fund an Auto loan of at least $20,000.
  • Home Equity Loan/HELOC — $100 or $250 Bonus
    • Open a Home Equity Loan or HELOC with an opening balance of $50,000–$99,999 = $100 bonus.
    • Open a Home Equity Loan or HELOC with an opening balance of $100,000 or more = $250 bonus.
    • HELOCs must make first withdrawal of loan amounts above in first 60 days to qualify

Bonus Payouts

  • Review if offer requirements met after 60 days; if so, payout within 45 calendar days of review.
  • Bonuses post to the Membership Savings account.
  • Maximum total bonuses up to $350 per Member.
  • Bonuses are not available to FIGFCU’s Board of Directors, Officers, Employees, their immediate family members, and members of their households.

 

“After joining the Credit Union over 25 years ago I quickly realized my banking accounts with other institutions had became unnecessary. FIGFCU has handled my car loans, mortgage loans, and commercial property office loan, in addition to credit cards that earn points!” – Rivet Coy, Member

 

Know someone who can benefit from Credit Union membership? Friends, family, coworkers, employees and clients (of Agents) Fill out the form below and we'll send them an email on your behalf.

Your Information

Referral's Information

Referral Program: Both the "Referring Member" and “Referred Member” will receive a referral bonus in the amounts stated, subject to the following:

“Referring Member” must be at least 18 years of age; a current active Member in good standing; and not be in breach of any Farmers Insurance Federal Credit Union (“Credit Union”) policy or agreement with the Credit Union; provide the name and contact information of a prospective eligible “Referred Member.” In order to be eligible, the “Referred Member” must be an individual who is at least 18 years of age; is within the Credit Union’s Field of Membership who becomes a new qualified Member. The Referred Member cannot currently or previously have been a Member of the Credit Union. The Referred Member must open a qualified bonus account with a minimum qualifying deposit with new money and/or obtain a new qualifying loan from the Credit Union within 10 days of joining the Credit Union. The Referred Member must remain a Member for at least 60 days in order for the bonus to be paid. In order to qualify for a Bonus under this Promotion, the Referred Member must at all times, from the time the individual becomes a Member of the Credit Union until the bonus is paid, be a Member in good standing and not in breach of any Credit Union policy or agreement with the Credit Union. This offer is not available to referrals made to individuals who already existing Credit Union Members.

This offer cannot be combined with any other New Member or Referral offer and is limited to one bonus per account per new Member.

There are different ways to qualify for a bonus. The eligible Referred Member must fully comply with one of the following to qualify:

Checking and Direct Deposit Bonus: In order to qualify for a bonus, the eligible Referred Member must open a FIGFCU Checking (share draft) account within 10 days of joining the Credit Union and post Eligible Direct Deposits into the Checking account during the “Direct Deposit Bonus Period”.

The Direct Deposit Bonus Period begins when the eligible Referred Member opens a new Credit Union Checking (share draft) account and ends 60 calendar days after account opening. The bonus amount will be based on the total amount of Eligible Direct Deposits received during the Direct Deposit Bonus Period.

  • $50 Bonus for Eligible Direct Deposits with a cumulative total of $2,000 or more received through at least 2 eligible Direct Deposits, made on different days, during the Direct Deposit Bonus Period.

Once the Direct Deposit Bonus Period has passed, the Credit Union will determine if the eligible Referred Member has met the offer requirements and if the Referred Member qualifies, will thereafter deposit any earned bonus within 45 calendar days. The Referred Member must have an active Membership savings account at the time of the bonus payout. The bonus will be posted to the Membership savings account.

Eligible Direct Deposit means a recurring deposit of regular income to a Member’s FIGFCU Checking (share draft) account, from payroll, pension, or government benefit payments (e.g., Social Security), made by the Member’s employer, payroll, benefits provider, or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network.

Deposits that are from check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers, or are non-recurring in nature (e.g. IRS tax refunds), do not qualify as Eligible Direct Deposits.

OR

Auto Loan Bonus: In order to qualify for a bonus, the eligible Referred Member must apply for a qualified Auto Loan or RV Loan account with a minimum loan balance of $20,000 within 10 days of joining the Credit Union. The eligible Referred Member must remain a Member in good standing for at least 60 days before bonus is paid. After 60-day membership period has passed, FIGFCU will determine if the eligible Referred Member has met the offer requirements, and if the requirements are met will thereafter deposit any bonus earned within 45 calendar days. The Referred Member must have an active Membership savings account at the time of the bonus payout. The bonus will be posted to the Membership savings account.

  • $50 bonus for loan account balances totaling $20,000 or more at the time the account is first opened.

OR

Home Equity Loan Bonus: In order to qualify for a bonus, the eligible Referred Member must apply for a qualified Home Equity Loan or Line of Credit (HELOC) account with a minimum loan balance of $50,000 within 10 days of opening the membership.  The Referred Member must take a qualifying advance of at least $50,000 from the HELOC within 60 days of becoming a Member of the Credit Union. The eligible Referred Member must remain a Member in good standing for at least 60 days before bonus is paid. After 60-day membership period has passed, FIGFCU will determine if the eligible Referred Member has met the offer requirements, and if the requirements are met will thereafter deposit any bonus earned within 45 calendar days. The Referred Member must have an active Membership savings account at the time of the bonus payout. The bonus will be posted to the Membership savings account.

  • $100 bonus for loan account balances totaling $50,000 – $99,999 at the time the account is first opened; HELOCs must take a qualifying advance of at least $50,000 from the HELOC within first 60 days of membership.
  • $250 bonus for loan account balances totaling $100,000 or more at the time the account is first opened; HELOCs must take a qualifying advance of at least $100,000 from the HELOC within first 60 days of membership.

The Promotion is available starting October 01, 2025, until further notice. This Bonus Promotion is subject to change and/or termination at any time without prior notice.

Whether the Referring Member and Referred Member qualify for a Referral Bonus will be in the Credit Union’s sole discretion. The Bonus will be posted to the Membership savings account. “Bonus” is considered interest and will be reported to the IRS.  The above bonuses are not available to FIGFCU’s Board of Directors, Officers, Employees, their immediate family members, and members of their households.