Terms & Conditions

1SCE FCU - Refer-A-Friend Offer:


To earn a referral reward, the person making the referral (Referrer) must register for the program and share their personal referral link. The Referrer will earn a $50 reward bonus for each individual referred (Referred Person) to SCE FCU who registers for the offer using the Referrer’s shared personal referral link, opens a new SCE FCU account, and completes the offer requirements within the time specified in the offer. A Referrer may receive up to ten (10) reward bonuses ($500 value) within a calendar year, but only one Referrer may receive a reward bonus for each Referred Person who fulfills the requirements.


Personal Checking Offer:

To earn a $50 reward bonus, the Referred Person must register using the Referrer’s shared personal referral link, open a new SCE FCU Free Checking account, and meet the following requirements within 60 days of account opening:
  • Enroll in online and mobile banking, AND
  • Enroll is eStatements, AND
  • Complete five (5) debit card transactions (excluding ATM transactions)

Rewards Checking is not eligible.


Business Checking Offer:

To earn a $50 reward bonus, the Referred Person must register using the Referrer’s shared personal referral link, open a new SCE FCU Small Business Checking account, and meet the following requirements within 60 days of account opening:

  • Complete ten (10) debit card transactions (excluding ATM transactions), OR
  • Complete $1,000 in combined business account balances

Commercial Advantage Checking is not eligible.


Certificate Offer:

To earn a $50 reward bonus, the Referred Person must register using the Referrer’s shared personal referral link, open a new SCE FCU Certificate with a $5,000 minimum opening balance and a 6-month term or longer.

IRAs are not eligible.


Credit Card Offer:

To earn a $50 reward bonus, the Referred Person must register using the Referrer’s shared personal referral link, open a new SCE FCU Platinum Credit Card, and meet the following requirements within 60 days of account opening:
  • Complete five (5) credit card transactions

Platinum Rewards, Secured Platinum and Teen Platinum are not eligible.


Auto Loan Offer:

To earn a $50 reward bonus, the Referred Person must register using the Referrer’s shared personal referral link, open a new SCE FCU Auto Loan with a minimum loan balance of $5,000.

Indirect car loans, leases, recreational vehicles, classic cars, and internal refinances are not eligible.

The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from SCE FCU or ReferLive. Each person who registers authorizes future communications including emails regarding the program unless they “opt out” by making an election within such email. You must open a Savings Account to open any other share or loan account. You must maintain the Savings Account to avoid closure of that account and any subsequent accounts. There are many ways you can be eligible for membership. SCE FCU’s field of membership is determined by the National Credit Union Administration (NCUA). You qualify for membership if you:

  • Are a relative of, or if you live with, an existing member
  • Are an existing member opening another account; or
  • Work for a preapproved qualifying organization
  • If none of these options apply and you live in the Southern California or Southern Nevada area, you are still eligible through your opening donation to our nonprofit (the CFE) which automatically makes you a CFE Member

The Referred Person acknowledges that a direct deposit will be issued to the Referrer after all conditions have been met in the time frames provided.

Please allow up to 90 days for delivery of the reward bonus. Reward bonuses will be reported as income to the IRS.

Offer limited up to a $500 reward bonus per calendar year per member and/or account based on valid U.S. Social Security Number or Individual Taxpayer Identification Number (ITIN). Members to provide correct ITIN will need to complete a W-8BEN form.

SCE FCU may terminate, suspend, or otherwise change the terms of the Refer-a-Friend Program at any time for any reason, with or without notice. In addition, SCE FCU may refuse payment to a Referring Member or Referred Person under the Program if it has a good faith belief that the individual has provide false, misleading, or deceptive information while participating in the Program or establishing corresponding accounts. For all offers requirements must be met within 60 days of account opening.

Federally Insured by NCUA.