Ready to refer someone?
See Referral Program Terms & Conditions below for full eligibility requirements and offer details.
Terms and Conditions
These terms govern the National Police Federal Credit Union Member Referral Program. Participation in the program constitutes acceptance of these terms. A reward will be paid only after all applicable eligibility and qualifying requirements have been completed and verified.
Program Rewards
Referring Member – $50 Reward: The referring member will receive a $50 reward when the referred individual becomes a qualifying new member by completing the membership requirements, opening an eligible checking account, and meeting the qualifying direct deposit requirements.
Referred New Member – $25 Reward: The referred new member will receive a $25 reward after completing the membership requirements, opening an eligible checking account, and meeting the qualifying direct deposit requirements.
Referred New Member – Additional $50 Reward: The referred new member may earn an additional $50 reward by opening an eligible National Police FCU credit or debit card and making at least $500 in qualifying purchases during the 30 days following card activation.
Maximum Referred New Member Reward: A referred new member may earn a maximum of $75 through this promotion by satisfying both the checking/direct deposit and card purchase requirements.
Eligibility
• An eligible referring member must be an existing individual consumer member of National Police Federal Credit Union, be at least 18 years old, and have a membership and deposit account in good standing when the referral is submitted and when the reward is paid.
• Employees of National Police Federal Credit Union are not eligible to participate as referring members or referred new members.
• A referred individual must be a new member of National Police Federal Credit Union and satisfy all membership eligibility, identity-verification, and account-opening requirements. An existing member is not eligible to participate as a referred new member.
• Self-referrals are not permitted. A referred individual may be associated with only one referring member. If more than one referral is submitted for the same individual, only the first valid referral received by the Credit Union will be recognized.
Referral Submission and Consent
The referring member must submit the referred individual's information through the National Police Federal Credit Union referral form before the referred individual submits a membership application. By submitting a referral, the referring member certifies that they have the referred individual's permission to provide the individual's contact information and for the Credit Union to contact the individual about this offer. The Credit Union will use the information in accordance with its privacy practices.
Offer Period and Referral Limit
Referral forms must be submitted between October 1, 2026, and December 31, 2026, unless the offer ends earlier because the first 100 qualifying referrals have been reached. A qualifying referral is counted when the referred individual has completed, and the Credit Union has verified, the membership, eligible checking account, and qualifying direct deposit requirements. Order will be determined by the date and time those requirements are completed and verified in the Credit Union's records. Submitting a referral form does not reserve a position among the first 100 qualifying referrals.
A referral submitted during the offer period may complete the applicable qualification periods after December 31, 2026, provided every requirement is completed within the deadlines measured from the referral submission date.
Requirements for the Referring Member Reward
1. The referring member must submit a valid referral form before the referred individual submits a membership application.
2. Within 30 calendar days after the referral submission date, the referred individual must apply for and be approved for membership, open an eligible consumer checking account, and receive at least one qualifying direct deposit that posts to that checking account.
3. The referring member's membership and deposit account must remain open and in good standing through the reward payment date.
Requirements for the New Member Rewards
To receive the $25 new member reward
Within 30 calendar days after the referral submission date, the referred individual must apply for and be approved for membership, open an eligible consumer checking account, and receive at least one qualifying direct deposit that posts to that checking account.
To receive the additional $50 new member reward
Within 30 calendar days after the referral submission date, the referred new member must activate an eligible National Police debit card linked to the qualifying checking account or apply for, be approved for, and activate an eligible National Police credit card. Credit card applications are subject to credit approval and separate account terms.
The new member must make at least $500 in qualifying purchases on the eligible card within 30 calendar days after card activation and no later than 60 calendar days after the referral submission date. Qualifying purchases must post to the eligible card account within that period. Returns, refunds, credits, ATM withdrawals, cash advances, balance transfers, fees, interest charges, person-to-person payments, and other cash-equivalent transactions do not count toward the $500 purchase requirement.
Qualifying Direct Deposit
A qualifying direct deposit is a recurring electronic deposit of payroll, pension, Social Security, or other regular income from an employer or outside agency. At least one qualifying direct deposit must post to the eligible checking account within the applicable 30-day qualification period. Transfers between National Police accounts, person-to-person transfers, mobile deposits, ATM deposits, branch deposits, and other deposits that do not meet this definition do not qualify.
Reward Limits and Payment
• A referring member may receive no more than 10 referring member rewards during the offer period, for a maximum referring member reward of $500.
• A referred new member may receive no more than one $25 new member reward and one additional $50 card-use reward.
• Rewards will be credited to the eligible member's Primary Savings account, also referred to as the Main Share account, within 90 days after all applicable requirements have been completed and verified.
• The membership and applicable accounts must remain open and in good standing through the reward payment date. For purposes of this offer, an account is not in good standing if it is closed, charged off, restricted, or subject to an unresolved negative balance, as determined from the Credit Union's records.
Account Terms
No minimum checking account balance is required to earn a program reward beyond the balance required to maintain membership and the requirement that the account remain in good standing. Eligible checking account options, current annual percentage yields, minimum opening deposit and balance requirements, fees, and other terms are stated in the Credit Union's current Account Rate and Fee Schedules and account disclosures. Rates, fees, and account terms may change as permitted by law. Members should review the applicable disclosures before opening an account.
Fraud Abuse and Program Administration
National Police Federal Credit Union may disqualify a participant, withhold a reward, or reverse a reward credited in error if it determines that a referral or transaction is fraudulent, duplicate, manipulated, abusive, based on false or incomplete information, or otherwise inconsistent with these terms. The Credit Union's records and reasonable determinations will control, subject to applicable law.
National Police Federal Credit Union may extend, modify, suspend, or discontinue this offer prospectively at any time, subject to applicable law. A program change will not reduce or eliminate a reward that was already earned before the effective date of the change. A reward is earned only after all applicable requirements have been completed and verified.
Taxes
Rewards may constitute taxable income. National Police Federal Credit Union will report rewards to the Internal Revenue Service when required by applicable law. Members are responsible for any applicable federal, state, or local taxes and should consult their tax adviser regarding their individual circumstances.
Federally insured by NCUA
