Become a Member

Frequently Asked Questions

Q: How do I find my five-digit referral code to provide to my friends and family?

A: Throughout the Refer-A-Friend Campaign, members will receive weekly emails containing their unique five-digit referral code.  Additionally, you may contact your local UKFCU branch and they may look up your Refer-A-Friend code that you can provide to friends and family.


Q: What if my friend provided me their five-digit referral code and I forgot it?  Can I still open an account and take part in the promotion?

A: You can still become a new member and open a checking account in one of our convenient branches.  Simply share the name of the referring UKFCU member with your Financial Services Officer opening your new account and we will give them credit as the referring member providing them the opportunity to earn the $200 bonus. 


Q: Is there a limit to how many new members I can refer?

A: No. We encourage you to share your great UKFCU experiences with all of your friends and family.  There is no limit to how many referral bonuses you can collect.  Please note that earnings may be taxable; consult your tax advisor.


Q: As the referring member, is there anything I need to do to earn the $200 bonus?

A: No. After you provide your unique five-digit referral code to a new member, the referred party will need to complete the following within 95 days from account opening: (1) become a member and open a checking account; (2) complete 10 debit card transactions; (3) and receive at least two regularly recurring ACH direct deposits totaling $2,000. 


Disclosure: *Offer expires 06/30/2023. New Member is required to open a new Checking Account to qualify for the promotion. New member may not have had an existing relationship within past 12 months. Membership Eligibility required. To earn the account bonus, the new member must meet the following requirements within 95 days of account opening: (1) complete 10 debit card purchase transactions; (2) receive two regularly reoccurring ACH direct deposits totaling at least $2,000. If all qualifications are met, funds will be deposited into the Prime Checking account within 5 business days of completion. If no Prime Checking Account, then bonus deposit will be place into Prime Share. Prime Share Accounts will earn an Annual Percentage Yield of .05% APY with a balance of $100 or more. The Prime Share interest rate is variable and may change without notice at the discretion of UKFCU. Any fees may reduce earnings on account. By opening promotional account and earning bonus, the referee is revealing to referring party they are an active University of Kentucky Federal Credit Union (UKFCU) member. Bonus funds may be considered 1099-INT taxable; consult your tax advisor. UKFCU reserves the right to end the promotion without notice. Please see a representative for additional details. Federally insured by NCUA.