Looking for a way to earn extra cash while helping friends and family discover better banking? Together Credit Union’s Member Referral Program pays both you and your referrals $50 each, plus new members can earn an additional $150 bonus—and here’s what makes it compelling: you get genuine credit union benefits while earning rewards for sharing those advantages with people you care about.
Here’s the truth: most referral programs offer small rewards or complicated requirements that make them barely worth the effort. But Together Credit Union has created a program that provides meaningful rewards for both referrers and new members while delivering the superior service and benefits that credit unions are known for.
Want the best bank bonuses nationwide? Check out our top picks here—including huge offers from Chase, BMO, CIT Bank and Axos Bank that you won’t want to miss!
Together Credit Union Referral Program Overview
Your Reward: $50 for each successful referral
Their Reward: $50 for opening a checking account + potential $150 additional bonus
Maximum Earning Potential: $200 per new member ($50 referral + $150 additional bonus)
Service Area: St. Louis, Missouri region
Membership Benefits: Credit union advantages with personalized service
How the Referral Program Works
For Current Members:
- Download and print the Member Referral Form or pick one up at a branch
- Fill out the Current Member portion of the form
- Give the partially completed form to your friend, family member, or co-worker
- They take the form to a Together Credit Union branch to open their checking account
- You receive your $50 incentive once they open their account
For New Members:
- Complete the Family/Friend portion of the referral form
- Bring the form to a Together Credit Union branch to open your account
- Alternatively, open online and submit the form via email when contacted
- Receive $50 just for opening a checking account
Trending Checking Account Deal:
Additional $150 Bonus for New Members
New members can earn an extra $150 after 60 days of membership by completing these simple requirements:
Qualifying Activities:
- Have at least one ACH credit/Direct Deposit of $500+
- Complete five debit card transactions
- Enroll in e-statements
Timeline: Must complete all requirements within 60 days of membership
Total Potential: $200 ($50 opening bonus + $150 activity bonus)
TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Credit Union Membership Benefits
Personalized Service
As member testimonials highlight, Together Credit Union provides friendly staff and personalized service that makes banking matters easy to handle.
Member Ownership
As a credit union member, you’re an owner, not just a customer, which often translates to better rates, lower fees, and member-focused policies.
Comprehensive Services
Full range of banking services including checking, savings, loans, and credit cards, all designed for member benefit.
Community Focus
Local decision-making and community investment that supports the St. Louis region.
Who Should Participate in This Program?
Current Together Credit Union Members
If you’re satisfied with your credit union experience, this program rewards you for sharing those benefits with others.
St. Louis Area Residents
New members must qualify for Together Credit Union membership, typically based on geographic location or employment.
People with Strong Networks
Those with friends, family, or co-workers who could benefit from credit union membership and services.
Direct Deposit Recipients
The $150 additional bonus requires $500+ direct deposits, making this attractive for working adults or retirees.
Important Program Requirements
Membership Eligibility
New members must qualify for Together Credit Union membership based on their eligibility criteria.
Referral Form Required
Must use the official Member Referral Form for both parties to receive rewards.
Account Opening
New members must open a checking account to qualify for the referral rewards.
Activity Requirements
The additional $150 bonus requires specific activities within 60 days of membership.
Trending Savings Account Deal:
Member Testimonial Highlights
“I have never been happier with my financial institution. They have the friendliest staff and offer very personalized service. It is so easy to handle any banking matters and they offer so many free services.” – Lyn M., Member
This testimonial reflects the type of experience that makes referral programs successful—genuine satisfaction that members want to share.
Process and Timeline
Immediate Rewards:
- $50 for referrer when new member opens account
- $50 for new member upon account opening
60-Day Bonus:
- Additional $150 for new members who complete qualifying activities
- Direct deposit, debit card usage, and e-statement enrollment required
My Take on Together Credit Union’s Referral Program
What I find appealing about this program is the mutual benefit structure combined with genuine credit union advantages. Both parties earn meaningful rewards, and the new member gets access to the personalized service and member benefits that credit unions provide.
The $200 total potential for new members ($50 + $150) is substantial and rewards establishing a real banking relationship rather than just opening an account.
The requirements for the additional $150 bonus are reasonable and reflect normal banking activities—direct deposit, debit card usage, and e-statement enrollment.
The credit union structure means new members become owners rather than just customers, often resulting in better long-term value through competitive rates and member-focused policies.
The St. Louis community focus provides local decision-making and personalized service that larger institutions often can’t match.
Is This Referral Program Right for You?
Consider participating if you:
- Are a satisfied Together Credit Union member
- Have friends or family in the St. Louis area who could benefit from credit union membership
- Want to earn extra income through your personal network
- Believe in the credit union model and want to share those benefits
Consider joining if you:
- Live or work in the Together Credit Union service area
- Receive regular direct deposits of $500+
- Want personalized banking service and member ownership benefits
- Are dissatisfied with your current banking relationship
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
The Bottom Line
Together Credit Union’s Member Referral Program offers genuine value for both current members and new referrals. The mutual reward structure creates win-win scenarios, while the credit union benefits provide ongoing value beyond the initial bonuses.
This isn’t just about earning referral fees—it’s about sharing access to member-owned banking that prioritizes personalized service and community investment.
Ready to start earning referral rewards or join as a new member? Contact Together Credit Union at 800-325-9905 or visit their St. Louis location at 423 Lynch Street to get your Member Referral Form and start the process.
The combination of immediate rewards, additional bonus potential, and genuine credit union benefits makes this program attractive for both current members looking to earn extra income and potential new members seeking better banking relationships.
Remember: new members have 60 days to complete the additional bonus requirements, so plan to establish direct deposits and use your debit card regularly to maximize your earning potential.
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