Refer a co-worker to SMART Federal Credit Union
and you can both receive $50! 

You’re the reason we show up each day. SMART Federal Credit Union exists to positively impact those who impact our kids. Like you! Why not share the love?  Refer co-workers to us, and you could both be rewarded!* 


* Select services apply.

Become an Honor Roll Member. Get a $100 bonus.

With five complete referrals you’ll also receive a $100 bonus and become a SMART Honor Roll member for a full 12 months. Perks include:

  • Interest rate doubled on regular shares

  • .25% off on all new, used vehicles and unsecured loans 

  • .10% higher on CDs

  • .10% higher on Money Market 

  • $3 per cashier’s check fee waived


You must complete the referral form before applying to become a member to get the incentive.

Referring Member's Name *
Referring Member's Name
Member's Phone Number *
Member's Phone Number
Who are you Referring? *
Who are you Referring?
Your Friend or Co-Worker's Phone Number *
Your Friend or Co-Worker's Phone Number
Referral Date *
Referral Date

New member must be age 18+ and open a new checking account
with direct deposit, a new loan or a new credit card.