Referral Program
Enjoy a $150 bonus to celebrate our new referral program
We just made it easier for you to earn $50* when you refer friends and family to become SECU members. To celebrate, for every three people you refer, we’ll give you an extra $150 bonus*. The more you share, the more you can earn.
Here’s how it works
- Get your unique referral link by logging in to online banking or mobile banking. Not enrolled in online banking yet? Sign up here.
- Share your link with friends and family via email, text message, or social media.
- Earn $50* per qualified referral.
- For every three people who use your code and open accounts by the end of 2026, we’ll double your bonus with an extra $150 payout*.
Refer a Friend FAQs
Log in to online banking or mobile baking to access your personal referral link. Share that link with family and friends. When they complete all the necessary requirements, you will receive your referral bonus.
SECU’s standard referral bonus is $50 per referral.
For every three people that use your referral code and become members by the end of 2026, we’ll give you an extra $150 bonus, credited to your account by 1/31/27.
All existing SECU members 13 years or older that are the primary owner of a share savings account in good standing and are enrolled in online banking or mobile banking are eligible to refer friends and family.
Your friend or family member will receive your unique referral link and be directed to a landing page with details on how to open an account. Then, once they become a SECU member and open qualifying accounts, you both will earn $50.
The standard $50 bonus will be paid within 60 days of the date your referred friend or family member satisfies all eligibility requirements and completes qualifying account activity. The $150 bonus for three referrals will be paid by 1/31/27.
Check with the person you sent the link to to make sure they received it correctly. If issues persist, you can speak with a member advisor at your local financial center, our Virtual Financial Center, or by calling 800-879-7328.
* Special offer: Refer three members, get $300 and double your bonus – available for referrals made between 10/7/26 – 12/31/26. Existing SECU members may receive a $50 referral bonus for each new member they refer. In addition, referring members may receive an extra $150 bonus for every three new members they refer. Referred new members may also receive a $50 bonus. To participate referring member must be 13 years or older.
To qualify for this offer: 1) The referring member must share their SECU referral link with a friend or family member who are not current members of SECU. Referring members must be enrolled in online banking to participate in the Refer a Friend program. Your SECU referral link can be found in the Refer a Friend section of your SECU online banking account. 2) The referred person must use the SECU referral link to establish membership by opening a share savings account or business share savings account. Membership eligibility requirements apply. 3) The referred person must also open at least one additional account within 60 days of becoming a member and no later than 12/31/26. Any SECU deposit account or credit product may be used to satisfy this requirement, subject to eligibility, account approval, and credit approval requirements. Learn more about our accounts.
The minimum balance to open a business share savings or share savings is $10. SECU will credit one $50 cash bonus to the share savings account or business share savings account of both the referring member and the referred new member within 60 days of criteria being met. Limit one $50 bonus per referred new member.
Referring members will receive an additional $150 bonus for every three referred new members who meet all criteria during the promotional period. A referring member may earn multiple $150 bonuses for each additional group of three qualifying referred new members. SECU will credit each $150 bonus to the share savings or business share savings account of the referring member by January 31, 2027.
New memberships established without a valid referral link are not eligible for this offer. Referrals of existing SECU members are not eligible for this offer. Membership and accounts must be in good standing to receive any bonus.
Advertised bonuses cannot be combined with any other offer. Bonuses are considered miscellaneous income and may be reported as income to the IRS on Form 1099-MISC. Any applicable taxes are the responsibility of the member. The promotional period and offer are subject to change at any time without notice. SECU reserves the right to disqualify any referrals or refuse bonuses in circumstances where it reasonably believes referrals were not made in good faith. SECU’s determination of offer eligibility is final.
APY = Annual percentage yield. APYs current as of . Rates subject to change at any time. Fees may reduce earnings on the account.
Business share savings and share savings accounts receive 0.10% APY.
Federally insured by NCUA
Refer A Friend Program Terms & Conditions
By participating in the State Employees Credit Union of Maryland, Inc. (“SECU”) Refer a Friend Program, you (the person agreeing to make a referral – the Referrer) agree to use your unique referral link in accordance with these terms. You may share your referral link with individuals you know, provided your communications comply with all applicable law, as well as the rules and policies of any platform used. The Referrer authorizes the sending of communications to each Referred Person.
You may not make statements about SECU, its products, services, rates, fees, eligibility requirements, or promotions that are false, misleading, deceptive, incomplete, or inconsistent with official SECU materials. You may not represent yourself as an employee, representative, agent, partner, or authorized spokesperson of SECU. Participants are solely responsible for their referral communications and activities. SECU does not direct, review, approve, or control the specific content of communications made by participants when sharing referral links. SECU is not responsible for any statements, promises, or representations made by participants.
By participating in this referral program, the Referred Person acknowledges and agrees that SECU may share limited information with the Referrer solely for the purpose of administering the referral program and determining eligibility for referral rewards. Such information may include whether the Referred Person has satisfied the requirements necessary to qualify for a referral reward. SECU will not disclose account balances, transaction amounts, or other non-public personal financial information beyond what is reasonably necessary to administer the promotion.
To participate, the Referrer must be 13 years of age or older. Offer subject to change or cancellation at any time. Rates, fees, and terms are subject to change without notice. SECU reserves the right, in its sole discretion, to disqualify referrals, suspend or terminate participation if it determines that these terms or applicable laws have been violated. SECU’s determination is final.
