Refer It Forward Campaign – Referral Terms & Conditions

The Refer It Forward Campaign rewards both the referring member (Referrer) and the referred individual (Referred Person) with a $100 deposit bonus—and there’s no limit to how many friends you can refer!

Please note: Referral limits apply for CCFCU employees and their families. See below for details.

How to Refer

Referrals can be made by online form (red button), by phone 207-878-3441 Option #2, or in person at any full-service Cumberland County Federal Credit Union (CCFCU) branch.

Referring Member Bonus

The Referring Member will receive a $100 deposit bonus for each eligible referral. The bonus will be deposited into the Referring Member’s CCFCU savings account within two (2) business days after the Referred Person opens both a savings account and a checking account with a debit card.

To qualify, the Referrer must:

  • Have an active membership in good standing

  • Not have any CCFCU loans more than 30 days delinquent

Note: Existing CCFCU members are not eligible to be referred as part of this campaign. 

Referred Person Bonus

The Referred Person will receive a $100 deposit bonus once the following requirements are met:

  • Open a new CCFCU membership, including both a savings and checking account with a debit card

  • Complete one or more direct deposits totaling $500 or more within 30 days of account opening

The $100 bonus will be deposited into the Referred Person’s savings account after the deposit requirement is fulfilled.

  • For accounts opened in May, the bonus will be deposited by July 15, 2025

  • For accounts opened in June, the bonus will be deposited by August 15, 2025

A minimum opening deposit of $5 is required. This offer is valid for new members only and may not be combined with any other promotional offers.

Additional Terms

  • Members are responsible for any applicable taxes

  • Participants must have a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

  • New members must be at least 15 years of age or older

  • CCFCU employees and their immediate family members are eligible to participate but are limited to a maximum of five (5) referrals per employee or household

  • Cumberland County Federal Credit Union reserves the right to modify or terminate this offer at any time without prior notice