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You've been referred to NIH Federal Credit Union

You could receive up to $150 in Visa® Reward Cards, just complete the simple steps below*!

1. Register – Use the registration form on this page to complete your registration.

2. Qualify – Open a new checking account* and/or auto loan and complete the offer qualifications below within the specified timeframe.

3. Get rewarded – Once all qualifications for your offer have been completed, you and the person who referred you will BOTH receive a $50 Visa Reward Card (for the checking offer) and a $100 Visa Reward Card (for the auto loan offer). 

ReferLive is a trademark of CustomerStream, LLC.
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Here's how it works!

$50 Reward: Active Checking

You’ll receive a $50 Visa Reward Card when you register and complete the following within 90 days of becoming an NIHFCU member:

  • Open an NIHFCU consumer checking account with e-statements, AND

  • Complete ten (10) or more debit card transactions of $5 or more OR complete two (2) direct deposits of at least $250 each

The friend or family that referred you will also earn a $50 Visa Reward Card.

$100 Reward: Auto Loan 

For a limited time, you will receive a $100 Visa Reward Card when you register and complete the following within 90 days of becoming an NIHFCU member:

  • Close on an NIHFCU auto loan (new, used or refinanced) of at least $15,000

The friend or family that referred you will also earn a $100 Visa Reward Card.

Please allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements.
*see full terms and conditions below
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Frequently Asked Questions

Do referrals expire?

While the referral links do not expire, you must open your new account within 180 days of completing your referral registration in order to be eligible for the offer.
When will I receive my Reward Card?

Reward Cards are sent via the United States Postal Service (USPS) and typically arrive within 4-6 weeks after all qualification criteria have been completed.

Rates, fees and terms as of April 30, 2025 and subject to change without notice

*NIHFCU Referral Program Terms & Conditions
The person making the referral (Referrer) will earn a Visa® Reward Card for each individual referred (Referred Person) to NIH Federal Credit Union who registers for the offer, opens a new NIH Federal Credit Union membership, and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must register for the program and share the offer with their friends, family, or coworkers who are not currently members of NIHFCU. A Referrer may receive up to $500 in Visa Reward Cards within a calendar year, but only one Referrer may receive a Visa Reward Card for each Referred Person who fulfills the requirements. A Referrer may earn a $50 Visa Reward Card for qualified Consumer Checking referrals and a $100 Visa Reward Card for qualified Auto Loan referrals.
The person being referred (Referred Person) can earn up to $150 in Visa Reward Cards. To earn up to $150 in Visa Reward Cards, the Referred Person must register by following the link provided in the referral email or on social media and complete one or more of the offers listed below:
Consumer Checking Account Offer:
To earn a $50 Visa Reward Card, the Referred Person must register by following the link provided on NIHFCU’s website, in the referral email, or on social media, and complete the following within 90 days of becoming an NIHFCU member:
  • Open an NIHFCU consumer checking account with e-statements, AND
  • Complete ten (10) or more debit card transactions of $5 or more OR complete two (2) direct deposits of at least $250 each
Only consumer checking accounts are eligible for this offer. Business checking accounts are not eligible for this offer.
Auto Loan Offer: You must refer your friend or family for membership between August 1, 2024 and September 30, 2024. 
To earn a $100 Visa Reward Card, the Referred Person must register by following the link provided on NIHFCU’s website, in the referral email, or on social media, and complete the following within 90 days of becoming an NIHFCU member:
  • Close on an NIHFCU auto loan (new, used, or refinance) of at least $15,000
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 NIH Federal Credit Union or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Visa Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided.
The individual that is referred (Referred Person) must be 16 years of age of older.
NIHFCU employees are not eligible for this offer.
Offer subject to change or cancellation at any time.
Please allow 4-6 weeks after completion of all requirements for delivery of the Visa Reward Card. The Visa Reward Cards are subject to Terms and Conditions delivered with the card. The Reward cards are valid for 3 calendar months from the time of issuance. Rewards Cards may be reported as income to the IRS.
Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.
ReferLive is a trademark of CustomerStream, LLC.
All offers are subject to change or cancellation at any time.