Free Checking for Them. Free Cash for You!

Refer family and friends to SPCO by September 30th for a chance to win $1,500!

Get $50* when your referral opens a Checking Account with Direct Deposit or gets a loan of $2,500 or more.

Plus, be entered to win
$1,500 Bonus Cash!1

There’s no limit to how many people you can refer and don’t worry – we won’t use their contact information for any other purpose.


Complete the form to make your referrals and we’ll send them an invitation email!

Refer friends & family!

Provide your name, email and phone number, so we know who to credit the referral incentive to.


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Qualification Process for the Referral/Referee Incentive

*To qualify for the $50 incentive, the person you refer must establish an active SPCO savings or checking account with direct deposit service or acquire a new loan from SPCO with a minimum loan amount of $2,500 during the promotional period. The newly referred individual must not currently be a member of SPCO Credit Union. Regular membership requirements and minimum opening balances apply for all new members. Membership is available to ALL who live, work, attend classes, or worship within 10 miles of any SPCO CU location. Normal credit criteria apply for all loans. All loan rates, terms, and amounts are based on creditworthiness and are subject to approval. Once all the criteria of the offer have been met, your reward will be automatically deposited into your SPCO account. You must be a member in good standing to receive the $50 reward. There is no limit to the number of new members or new loans any current member can refer. This offer is ongoing but may be discontinued at any time for any reason.

1To be eligible for the $1,500 BONUS cash prize drawing, your referral must meet the criteria above (checking with direct deposit or a loan of at least $2,500) by September 30, 2023. Cash will be deposited into your SPCO Credit Union account. No purchase is necessary to win. Members may enter the drawing by submitting a handwritten form without purchase or obligation. Mail a 3×5 card with your name, address, and contact information to SPCO Credit Union, Attn: Marketing, 12755 N. Houston-Rosslyn Rd, Houston, TX 77086 by 5 p.m. on September 30, 2023. The winner will be selected in a random drawing in October 2023. Officials, SPCOCU employees, and their family members are not eligible to participate. Offer valid through September 30, 2023.