Reward Yourself & Refer a Friend! 

At North Central Area Credit Union, we believe in community power and personalized local service. Being part of a credit union means you’re not just a customer but, instead, a member-owner! This cooperative structure sets us apart from traditional banks and underscores our commitment to putting you first.  

Check out our new member referral program, allowing you to enjoy even more benefits while sharing the advantages of NCACU with friends and family. 

Member Referral Incentives: Reward Yourself & Refer a Friend! 

We are excited to introduce our new member referral incentive structure, designed to reward you and your friends for joining the NCACU family. Here’s how you can benefit: 

$25 New Youth Account for Your Child 

• Benefit: Kickstart your child’s financial journey with a complimentary $25 deposit from NCACU. 
• Details: Automatic funds transfer from the parent/guardian account must be set up to qualify for the incentive. 
• Why It’s Great: Teaching children about saving and managing money early prepares them for financial success. 

$50 New Member with Active Checking 

• Benefit: Receive $50 when a friend you refer becomes a member with an active checking account. 
• Details: The account must have a direct deposit of $1,000+ per month and be enrolled in eStatements, eNotices, and eAlerts. 
• Why It’s Great: This option helps new members start off with the tools and services they need for efficient money management. 

$75 New Member with Active NCACU Credit Card 

• Benefit: Earn $75 when a member you refer opens a new account and an active credit card. 
• Details: The credit card must have at least ten purchases to be considered active. 
• Why It’s Great: This incentive encourages responsible credit use while providing immediate rewards. 

$100 New Member with Auto/Recreational Vehicle Loan 

• Benefit: Get $100 when your referred friend opens a new membership and an auto or recreational vehicle loan. 
• Details: The loan must be over $10,000, and the first payment must be made before receiving the incentive. 
• Why It’s Great: This option is perfect for those looking to finance a new vehicle while earning a substantial reward. 

How to Refer a Friend

Referring a friend to NCACU is simple. Here’s how you can get started: 

1. Share the Benefits: Talk to your friends and family about the advantages of being part of NCACU and the great member benefits (and incentives!). 
2. Provide Your Referral Information: Give your friends your referral information to use when they join. 
3. Enjoy Your Rewards: You and your friend will receive the incentive once your referral meets the qualification criteria. 

The Credit Union Difference 

Credit unions like NCACU operate on a philosophy of people helping people. Here’s how our approach benefits you: 

1. Local Personal Service: At NCACU, you are more than just an account number. Our team knows you by name and understands your unique financial needs, allowing us to provide personalized solutions. 
2. Fewer Fees: As a not-for-profit organization, our primary goal is to serve our members, not to make profits. This means lower fees and better rates on loans and savings accounts. 
3. Customized Solutions: We tailor our financial products and services to meet the specific needs of our members, offering flexibility and support that big banks cannot match. 
4. Member-Owned: When you join NCACU, you become a part-owner of the credit union. This democratic structure ensures that our focus remains on serving our members, not shareholders. 

Open Membership for Michigan Residents and Their Families 

One of the flexible benefits of NCACU is our inclusive membership policy. Anyone who lives or works in Michigan and their family members are eligible to join. This eligibility ensures that more people can experience the advantages of being part of our credit union. 

We’re Here For You! 

At NCACU, we are committed to providing exceptional service, lower fees, and customized financial solutions. Our new and enhanced member referral program is an excellent way to share these benefits with friends and family while earning rewards. Join us in strengthening our credit union by referring a friend today! 

For more information or to learn about other NCACU services, visit our website or contact us at (989) 910-5135. Let’s make a difference together! 

*Refer a friend reward applies to both the referring member and the new member. A new member is defined as anyone who has not had an account at NCACU in the past 12 months and must present program at time of account opening. A bonus of up to $200 could be deposited into each membership’s par value required account when all membership, product, and/or account opening requirements are met. One new member is offered per product type per social security number. A referral bonus may be paid approximately 90 days from the new membership opening, assuming accounts are still open, active, in good standing, and new members are participating in the noted service program. If the reward promotion criteria are not met within 90 days, a bonus will not be paid. 

The referrer must be an existing member of NCACU and the referred must not currently be nor have been a member in the past 12 months. Both referred and referrer members must have a valid US taxpayer identification number to receive credit. Bonus is reported as dividends to account and will be reported on IRS form 1099-INT. All taxes due are the responsibility of the recipient.
To receive the rewards, Within the first 90 days of account opening, Youth Accounts will have an Automatic Funds Transfer (AFT) set up from the parent or guardians’ account. New member must open an active checking account with a direct deposit of $1,000+ per month and be enrolled in eStatements, eNotices, and eAlerts; an active credit card consists of 10 purchases; Auto/Rec Vehicle loans will need to be over $10,000 and make their first payment. Indirect loans do not qualify. 

One new member offer per product type per social security number. The offer applies to consumer accounts only. The program may be modified or canceled at any time without notice. By participating in the refer-a-friend program, both parties are making it known to each other that they are account holders at NCACU who participate in the above-noted service programs. 

Available for a limited time only. Limited time offer, program subject to change without notice. See credit union for details.