Give your friends an in. You get $100. They get $100.

Now You Can.

Know someone who'd make a good Liberty Bay member? Send them an invite. When they meet the requirements, you each get $100.

You can invite up to five friends and earn up to $500.

Email a Friend Text a Friend

How It Works

It's easy to Refer-a-Friend.

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1. Invite them in.

Share what you like about being a member and tell them about the Refer-a-Friend program.
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2. They become a member.

They can join online or at a Liberty Bay Credit Union branch. Either way, they'll need to give us your name.
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3. You get $100. They get $100.

Once they meet the qualifying requirements, you'll each get paid.
You can invite up to five friends and earn up to $500.

Requirements

Simple steps. Get rewarded.

New members must make at least two qualifying direct deposits of $500 or more each within their first 90 days. The account must stay open and in good standing through day 120. Once the requirement is met, the referring member and the new member each receive $100, paid by day 150.
Offer subject to eligibility and qualification requirements.
Please see Liberty Bay's official terms and conditions for complete details.

Share with a Friend

Give someone an in.

Ready to give a friend an in? Choose how you’d like to spread the word. We’ll even get the message started for you.

Email a Friend

Opens a pre-written email you can personalize and send.
Email a Friend

Text a Friend

Opens a pre-written text you can personalize and send.
Text a Friend

Copy Link

Copies a link you can share however you like.

A Friend Sent You Here?

Welcome to Liberty Bay.

Lucky you. Become a Liberty Bay member, meet the requirements and you’ll get $100. Your friend who referred you will get $100, too.

Just give us the name of the Liberty Bay member who referred you when you open your account. 

See requirements

Get Started Online Find a Branch

Liberty Bay Credit Union
300 Granite Street, Braintree, MA 02184
(617) 439-6500

Terms and Conditions

Offer valid for existing Liberty Bay Credit Union (LBCU) members age 18 or older in good standing as of 10/1/2026, and new members age 18 or older with no prior LBCU membership in the last 12 months. New members are not eligible to be referring members. Personal memberships only; business, trust, estate, and non-personal memberships/accounts are excluded. To qualify for the $100/$100 referral bonus, the referred member must open a new LBCU checking account using the referring member’s name and, within the first 90 days, receive at least two direct deposits of $500 or more each. Qualifying direct deposits include payroll, pension, or government benefit deposits via ACH. Peer-to-peer transfers (e.g., Venmo, Zelle, PayPal) do not qualify. The account must remain open and in good standing for 120 days.

The $100 (referring member) and $100 (referred member) bonus will be credited to each member’s primary checking account 150 days after account opening if qualifications are met. Limit of five (5) qualified referrals per membership, one membership per household, up to a maximum total payout of $500. Referral cap is based on the LBCU membership number. Members with multiple accounts or accounts with multiple owners will not receive multiple bonuses. Bonus payouts are subject to IRS tax reporting (Form 1099-INT or 1099-MISC); recipient is responsible for any applicable taxes. Offer not available for employees and board members of Liberty Bay Credit Union. This promotion is subject to change or withdrawal at any time. Additional terms, conditions, and account fees may apply; see Account Agreement for details. Insured by NCUA and MSIC.