Refer a Loan & Earn!
Refer your friends and family for a loan with Garden Island Federal Credit Union and earn up to ¹$100 cash bonus for each loan referral when all requirements are met! Plus, your friends and family can earn up to ¹$100 upon loan approval and referral criteria.
Referring is easy! The more you refer, the more you can earn - up to 5$500 every year!
²Referring Member Criteria:
Referring member must be a Primary Accountholder in good standing with Garden Island Federal Credit Union.
³Loan Referral Criteria:
Open a Primary Share Account with a Share Draft Checking or a Māla Checking Account with a minimum deposit of $5
Register for Online/Mobile Banking
Enroll in e-statements
Sign up for early direct deposit of at least $1,000 per month
Plus, all members who participate during our Loan Referral Program will be automatically entered into our 4Better Together Prize Drawings!
Ready to refer?
Get a Loan Referral Card: Download and print one below or stop into any of our branch locations to pick one up!
Tell a friend: Let them know about Garden Island Federal Credit Union’s loan offerings.
Complete the Loan Referral Card: Fill out the information on the loan referral card and give it to your friends or family member when they apply for a loan in-person or online.
Frequently Asked Questions
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Referring member must be a Primary Accountholder in good standing with Garden Island Federal Credit Union to participate in the Loan Referral Program.
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Getting started is easy! Download and print the Loan Referral Program card above or stop by any of our branch locations to pick one up!
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Yes, both the referring and referred member must meet all criteria listed above.
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Members can refer up to $500 worth of loan referrals in a calendar year.
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Yes, both members can earn up to $100 per referral depending on the loan type and amount!
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Both members will receive the cash bonus within 60 days when the referred member meets all Loan Referral Criteria requirements. The cash bonus will be deposited to members’ Primary Share Account.
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Yes, loan referrals can be new or current members who needs a new loan!
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Download it and print the Loan Referral Program card above or stop by any branch locations to pick one up!
Member Testimonials
“The staff here has always been very friendly and professional. Very appreciative of all the services. I was able to get my car through you folks!”
“Your staff is very exceptional – they greet you with a smile! They are very knowledgeable with this company and best of all, very helpful and accommodating. I will forever bank with you. I always feel welcomed and special. Thank you.”
¹Referral cash bonus will be awarded to both referring member and new loan referred member. To qualify for the referral bonus, the member being referred must provide a completed loan referral card. For members apply for a loan in-person referral card must be provided at time of loan application. For members applying for a loan online, the referral card must be emailed to loans@gardenislandfcu.com to receive credit. Membership eligibility is required prior to funding with a minimum opening deposit of $5. Cash bonus amounts may vary depending on the loan amount. Cash bonuses range from $10-$100 depending on the loan type and amount, see Loan Referral Tiers for more details. This offer cannot be combined with any other offer.
²Referring member must be a Primary Accountholder in good standing with Garden Island FCU to participate in the Loan Referral Program.
³Members with the new loan must meet all requirements to be eligible for the referral bonus. If the referred account is not approved or does not meet the requirements, no bonus will be paid to either member (referring and referred member). Referral bonuses will be deposited to members’ Primary Share Account within 60 days after the referred account was opened and all criterias are met. Members and accounts must be in good standing at the time the cash bonus is to be paid. Bonuses will not be paid on closed accounts. This offer is non-transferable. Garden Island Federal Credit Union reserves the right to change or cancel this promotion at any time with or without advance notice. Garden Island FCU’s determination of eligibility for referral bonuses (for referring and referred members) is final. Additional terms and conditions apply.
4All Members who participate during our Member Referral Program will be automatically entered into our Better Together Prize Drawings. Two lucky winners will be selected at random and will be announced at the end of the year.
5Earn up to $500 maximum cash bonus for referring loans during a calendar year. Members who receive $500 in incentives annually will receive a 1099-Misc. Members are responsible for any personal tax liability arising out of this Loan Referral Program.