Terms & Conditions

Focus FCU reserves the right to discontinue the referral program at any time and without prior notice. To receive the referral bonus, the person being referred must be referred by an existing Focus FCU member, not be an existing Focus FCU member, and must not have closed an account with Focus FCU within the last 6 months. New members must establish membership savings account and a checking account with a direct deposit of at least $400.00 a month, active debit card, and e-Statements. Once the new member has met the account qualifications, the bonus will be deposited into the Primary Share account of the referring member within 30 days of verification. To receive the referral bonus, the member’s account must be in good standing with no negative share balances or delinquent loans. Referral bonuses are reported as dividend income and any tax consequences are the responsibility of the recipient. This offer cannot be combined with any other offer by Focus FCU. New members must meet eligibility requirements. All accounts and loans are subject to approval.