Member Referral Program

Share the Benefits and You Could Win $1,000!

Plus, your friend could win $500 too!

It pays to share the perks you get with Family Trust. When you refer someone new to open an account, you’ll earn an entry to win $1,000, and your friend could win $500 just for joining.

Here’s how it works:

  • Refer someone who isn’t yet a member.
  • They open a new account at Family Trust.
  • You get entered to win $1,000, and they get a chance at $500.

When your friend joins, they’ll enjoy better rates, lower fees, and service from a local team that truly cares.

Getting started is easy. When your friend joins online or in a branch, have them share your first and last name, phone number, and email. Then send them this link to join today.

 

Refer a Friend Today

 

DISCLOSURES

  1. Offer valid on qualifying member referrals submitted between November 1, 2026 – December 31, 2026. Membership eligibility and account qualifications apply. All new accounts are subject to Family Trust Federal Credit Union (FTFCU) membership agreements, terms, and disclosures. Must be 18 or older to qualify. Existing members may not open additional memberships to qualify. Former members qualify as a new member provided the account was closed at least six (6) months prior to the date of reopen and there were no previous losses to FTFCU. In order to receive the reward, both the referred and referring member’s accounts must remain in good standing for a period of 90 days from the opening date of the referred member’s account. The referred member must open and fund a new FTFCU membership share ($5 minimum opening deposit) within seven (7) calendar days of account opening. Applicants may not engage in fraudulent activity to earn a referral reward including, but not limited to, fraudulent account activity and fraudulent referral activity. Member referral rewards are reportable dividends and will be reported on IRS Form 1099-INT. Once an eligible new member is referred by an existing member, no other existing member may refer that same member. This offer cannot be combined with any other offer. By participating in this member referral program, you acknowledge that the referring member may be made aware that you have opened an account and completed qualifying activity. Terms and conditions of the member referral program are subject to change at any time and FTFCU reserves the right to modify or discontinue this program at any time without prior notice. Receive one entry for each qualifying referral made between November 1 and December 31, 2026. The winner of the member referral program will be randomly selected and notified by March 31, 2027. For full terms and conditions, please read below.

 

 

 

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Member Referral Giveaway Official Rules

Member Referral Giveaway Official Rules 

By referring a new member during the promotional period November 1, 2026 – December 31, 2026, with Family Trust Federal Credit Union and being automatically entered into the Giveaway, you agree to be bound by these Official Rules. Prize is non-transferable. 

  1. No Purchase necessary. 

  1. Eligibility for Promotion: Automatic entries: All Family Trust Federal Credit Union ("Credit Union") Members in good standing who refer new members during the period beginning November 1, 2026, and ending December 31, 2026; Manual Entries: as provided herein. Participation is limited to eligible persons who are 18 years or older and U.S. residents. By submitting any entry you agree to be bound by these Official Rules.  The Promotion period begins on November 1, 2026, and ends on December 31, 2026, and applies to entries actually received by the Credit Union during this period.  Employees of the Credit Union and their immediate family members residing in a single household are not eligible.  All winners will be notified by the Credit Union.  If any prize is unclaimed, an alternate winner will be chosen.   

  1. Prizes: The two (2) winners will be randomly selected and notified by March 31, 2027. One (1) winner (the referring member) will receive a $1,000 direct deposit to their primary share and one (1) winner (the referred member) will win a $500 direct deposit to their primary share. Prize winners are responsible for all federal, state, local or other taxes or other assessments that may be associated with or imposed upon the winners of any prize in this promotion. Odds of winning depend on the total number of eligible entries received. To claim the prize, the winner must sign and return a release and an affidavit of eligibility and publicity release to the Credit Union at 225 W. White Street, Rock Hill, SC 29730, within 14 days of notification, or the prize will, in the Credit Union's discretion, be forfeited. If the prize is unclaimed or forfeited, an alternate winner will be chosen. By accepting the prize, the winner consents to the use of his/her name and photograph or likeness for advertising and promotional services without compensation. The name of each prize winner may also be posted on the Credit Union’s website, social media pages (Facebook, Twitter, Instagram, etc.) and other informational resources. The prize winner is responsible for all federal, state, local or other taxes or assessments that may be associated with or imposed upon the winner of the prize in this promotion. The prize will be awarded only if the individual complies with these Official Rules. No other consideration will be paid. The selection of the prize winner hereunder will be final.

  1. Manual Entries: Manual entries received from November 1, 2026 – December 31, 2026, considered eligible by the Credit Union, will receive one entry, which applies to entries actually received by the Credit Union during this period, and no entries will be accepted after this date. Family Trust Federal Credit Union is not responsible for lost, late, illegible, misdirected, mutilated, incomplete or postage due mail entries. Incomplete or illegible entries will be disqualified. To enter, print your full name, address, telephone number, email address, and the title “Member Referral Contest” on a postage paid 3” by 5” postcard and mail it to Family Trust Federal Credit Union, Attention: Marketing, PO Box 10233, Rock Hill, SC 29731. Hand delivered entries will not be accepted. Mailed entries must be submitted with a maximum of one entry per envelope. Entries are limited to a maximum of one per individual. Multiple entries do not increase the odds of winning. By submitting an entry, you agree to be bound by these Official Rules. 

  1. Void where prohibited by law. All federal, state, and local laws and regulations apply. 

  1. Release of Claims: By accepting the prize, each winner, members of the winner’s household, relatives and persons who use any prize awarded by the Credit Union, and such person’s heirs, assigns, executors, and administrators release and exempt the Credit Union and it directors, officers, employees and agents from any and all claims, actions, demands, choses in action and damages which they have now or any time in the future arising from use of any prize, including personal injury or death. 

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