Grow Your Co-op

As a member of Seattle Metropolitan Credit Union, you enjoy benefits that many bank customers don’t, benefits like:

  • Low Loan Rates,
  • Fewer Fees, and
  • Local Decision Making.

Most importantly, as an SMCU member, you help build SMCU and share directly in its success. Because we are a financial cooperative, we return excess revenue to our members in the form of better rates and services. That means that when more people join SMCU and use the products and services we offer, our members reap the rewards.

That’s why we created the “Grow Your Co-op” Member Referral Program – to reward you for being an SMCU member and for recommending us to your friends and family.

When you refer a new member to SMCU, we’ll pay you. All they have to do is join the co-op and, when they open their membership, either:

  • Open a checking account, or
  • Be approved for a loan**.

Once they do that, you (the referring member) will get $50 deposited into your savings account. Your friends and family (the referred members) will get a new membership in a great co-op and a chance to earn money by referring others.

To get credit for your referral, make sure your friend or family member brings a completed referral coupon with them when they open their membership. If you want to keep a supply of coupons to hand out when the opportunity presents itself, you can pick some up at any branch or print them out here.

If they want to apply for membership online, make sure they use the promo code “REFER.” Once their membership application is received, an SMCU representative will contact them to make sure you get credit.

Our members have always been our best advertising.

When someone asks you where you got your home loans or who helped you set up your checking account, candidly share your experiences with SMCU. Tell them about the great service you get from SMCU. You can even direct them to your favorite branch rep to answer any questions your friend or family member might have.

Participation is Vital

When you use the products and services at SMCU that fit your needs, you help grow your credit union. When your friends and family participate in the credit union, it grows even more. As SMCU continues to grow, we can offer even lower loan rates, pay higher dividends, and provide better services to all of our members.

Read the complete program rules.

*All new accounts are subject to SMCU standard account membership terms and conditions. Must be 18 years or older. The referring member will earn $50 if both the referred and referring members meet eligibility criteria. Businesses and other non-person entities are not eligible. Cash bonuses exceeding $600 are reported on Form 1099-MISC. SMCU reserves the right to cancel or amend the terms of the member referral program at any time and without notice. Contact us for additional details and Official Rules at (206) 398-5500 or toll free at (800) 334-2489 or visit smcu.com/refer. SMCU is federally insured by the NCUA and an Equal Opportunity Lender. SMCU NMLS#464295.
**a) Share-Secured and any real estate-secured loan such as mortgage, equity and HELOC Loans are excluded.