If you're in Colorado and looking for a simple way to pocket an extra hundred bucks, Fitzsimons Credit Union has a referral offer that's hard to ignore. No complicated hoops, no direct deposit requirements—just refer someone you know, and you both walk away with $100. Let's break down how it works and what you need to watch for.
Who Can Join Fitzsimons Credit Union?
Before you start referring everyone you know, make sure your friends actually qualify for membership. Fitzsimons isn't open to just anyone—you need to live, work, worship, or attend school in certain Colorado areas including Aurora, Watkins, Bennett, Strasburg, or eastern Centennial. Adams, Arapahoe, and Denver counties also count.
Active or retired military members qualify, and so do family members of anyone who meets the criteria. If you or a relative work for one of Fitzsimons' Select Employer Groups, you're in. The credit union was founded in 1955 and has three branches, all in Colorado. They also boast CD rates that are double the national average, though their savings and money market rates aren't anything to write home about.
How the Referral Bonus Actually Works
Here's the simple version: you refer a friend, family member, neighbor, or coworker who opens a new checking account. Once they do, you both get $100. But there's a catch—the new member needs to either make at least five checking account transactions or take out a loan with Fitzsimons. That's it. No direct deposit, no minimum balance to maintain.
The $100 lands in your savings account as a dividend bonus about 90 days after the new account is opened. Both you and your referral need to be in good standing at that time. And if either of you closes the account within six months, Fitzsimons can take the bonus back. Oh, and this offer can't be combined with any other promotion.
What to Watch Out For
A few things to keep an eye on. First, the $100 is considered taxable income, so you'll get a 1099-INT form come tax season. Second, there's a $5 one-time membership fee when you join, plus a $5 minimum opening deposit. That's a tiny cost for a $100 payout, but it's still worth noting.
Also, the offer is limited to one bonus per new member and one per referring member per referral. But you can refer as many unique people as you want—no cap. Just remember that household members can't refer each other. And if you've had a previous account with Fitzsimons, you're not eligible as a new member.
Finally, you'll need to present the coupon or enter the promo code when opening the account. The fine print says the offer can be changed or pulled at any time, so don't drag your feet.
Bottom Line
- Refer friends and family to earn $100 each—no direct deposit needed.
- New members must complete 5 checking transactions or get a loan.
- Bonus lands in savings after 90 days; keep account open 6 months to keep it.
- Eligibility is limited to specific Colorado areas and select groups.
- Taxes apply—bonus reported on 1099-INT.
Common Questions
Can I refer someone who lives outside Colorado?
No, the new member must meet Fitzsimons' eligibility requirements, which are tied to Colorado residency, work, or affiliation with select employer groups or the military.
What counts as a 'checking transaction'?
Typical transactions like debit card purchases, online bill payments, or ATM withdrawals. A loan also satisfies the requirement. Contact Fitzsimons if you're unsure about a specific transaction.
Is there a limit to how many people I can refer?
No limit on unique referrals. You can earn $100 for each person who opens a new account and meets the requirements.
When do I get the bonus?
The $100 is deposited into your savings account approximately 90 days after the new member's account is opened, provided both accounts are in good standing.
Comments (0)
No comments yet. Be the first to share your thoughts!
Leave a Comment