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Refer a Friend and Both Be Rewarded!

Refer a friend!

You know it's a good thing to share and now you'll get rewarded for doing it1! Refer a friend or family member and you'll receive your choice of:

  • A $15 Gift Card to Dakota Cinema
  • Or $15 Donation to a Local Charity including Lake or Miner County Food Pantries, United Way or the Domestic Violence Network

And your friend will be able to choose a reward too! Plus, you will both get entered for a chance to win $500 in Visa® Gift Cards2! It's a win-win-WIN!

The even better part: you can refer as many friends as you want! Help connect your friends and family to a better way to do their banking along with supporting our local community too.

To qualify, your friend must3:

  • Be 18 years or older and has not had an account with ERFCU in the past 24 months.
  • Open a savings account, a checking account and have one automatic deposit or payment before the end of this year.

Start referring friends and family today! You can fill out the form below, download printable referral forms, or stop by the branch and pick up our referral slips! 

Printable Form


Be a current primary account holder or a joint account holder whose accounts are in good standing. At the time rewards are dispersed, accounts must have deposit balances above zero dollars, any applicable loan payments must be current, and all accounts must be in compliance with any other terms, conditions and governing requirements. No maximum in rewards per member for qualified referrals.In the event multiple members refer the same the same person, we will only reward the one existing member identified on the referral card submitted at the initial time of account opening. Additional rewards cannot be redeemed by either party for referring someone who has already claimed a referral offer from someone else.

Drawing Information:
Eligibility: Open to all legal U.S. residents 18 years or older of 10/01/2022. East River Federal Credit Union employees, Board Members, Supervisory Committee Members, and their immediate family members are not eligible. Subject to applicable federal, state and local laws and regulations. Winner must be in good standing with ERFCU to be eligible with no delinquencies on loans or negative balances. Void where prohibited.
To Enter: Begins 10/01/2022, 12:00:01 a.m. CDT and ends 06/33/2023 11:59:59 p.m. CDT. Any member who completes a referral as listed above or is a referral as listed above, will receive one (1) entry. Individuals may also enter the drawing by mailing a 3x5 card with your name, address, and phone number to ERFCU, Marketing Office, 220 S Harth Avenue, Madison, SD 57042. Mailed entries must be received before close of business on June 30, 2023, to be entered FOR $500 in Visa Gift Cards, $100 over the course of 5 months.
Winner selection: Drawing will be held on July 15, 2023. Winner need not be present to win. Winner will be contacted via phone, email or mail within five (5) business days of the drawing date. Winner must contact credit union to sign a publicity release and provide/have a photo take within five (5) business days of being notified by ERFCU about winning the contest or forfeit their winnings and a new winner will be drawn. Photos and winner’s name (first name) can be posted to social media or used in other marketing purposes following the delivery of the winnings. Winner will be responsible for contacting the credit union monthly to receive their $100 gift card that will be picked up at the credit union by the winner in a timely manner.
By participating in this Sweepstakes, you consent in accordance with the Telephone Consumer Protection Act (47 U.S.C. § 227), to ERFCU contacting you at the telephone numbers and email addresses currently on file or submitted to the credit union, using natural or artificial voice calls, automatically dialed calls, prerecorded messages, text messages, and any other electronic media, to communicate, deliver information and marketing messages. This consent is not required as a condition of purchasing any property, good or services, you may revoke this consent at any time.
Miscellaneous: No transfer, assignment or substitution of prizes is permitted except by ERFCU and then for a prize of equal/greater value. ERFCU has the right, in its sole discretion, to cancel or discontinue this contest at any time for any reason. To receive a list of winners, please submit a written request to the contest sponsor.
Contest Sponsor: East River Federal Credit Union, 220 S Harth Ave. Madison, SD 57042.
Insured by NCUA. Equal Opportunity Lender.

A new member, for purposes of this program, is defined as anyone who has not been a member of ERFCU in the past 24 months, was not a charged off account at anytime, and is not a business entity. Business membership referrals are not eligible for this program. Referred parties must be at least 18 years of age. Any party who became a member of ERFCU prior to this promotion will not be able to assert that he or she was previously referred. Neither a referring member nor a new member will receive a reward for a referral made prior to this promotion or for a referral submitted after account opening. Referred member must open a savings account with the required $15 membership fee, a checking account (basic or Kasasa) and have one ACH deposit or payment made with their account. Rewards will be paid out within 15 days after the completion of the eligibility requirements. ERFCU employees, directors, and their immediate family (mother/father, children, brother/sister) are not eligible to receive the reward

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