Must meet membership and account criteria. All loans subject to credit approval. Terms and conditions apply. New primary member must be at least 18 years old and may not be a signer on a Mission Fed account in the last 12 months. Share accounts must open and fund by 9/30/26. Referral code must be provided within 30 days of account opening. Loans must fund within 90 days of account opening. Offer can be combined with most Mission Fed promotions. Employees referring other Mission Fed employees do not qualify. Programs, rates, terms, conditions and services are subject to change without notice. Accounts must be in good standing to receive their bonus. Recipients are responsible for taxes; amounts are reported to the appropriate agencies as required by law.

To be eligible for the bonus, the new member must fully satisfy all requirements of either Option A, B, or C within the stated timeframe. Members who do not complete all applicable requirements under their selected option will not qualify for the bonus. Limit one referral bonus for new members account opening.

New member must either: A) Open a new Checking or Spending Account. Make five (5) eligible member-initiated transactions that must post within 90 days of account opening. Eligible transactions: ACH, cash or check deposits, and withdrawals; debit card purchases; online or mobile banking transfers; and bill payments; B) Get approved for a new Credit Card and open a Savings, Checking, Spending, or Money Market Account. Make five (5) purchase transactions or one (1) balance transfer using a Cashier’s Check from a Mission Fed Branch or Contact Center that must post within 90 days of account opening; or C) Get approved for an Auto, Mortgage, Personal, or Home Equity Loan and also open one or more of the following account a Savings, Checking, Spending, or Money Market Account. Both the loan and the deposit account must be funded within 90 days of account opening. Indirect auto loans, auto leases, and share secured loans are not eligible. Minimum opening deposit: $5 for Breeze Spending, Easy Checking or Smart Checking. $500 minimum balance required to earn 0.03% Annual Percentage Yield (APY) on Smart Checking as of 8/1/26. APY may change after the account is opened. Withdrawals and fees could reduce earnings. Minimum opening deposit: $1 for Standard Savings and $1,000 for Special Rate Savings.

Upon satisfaction of the requirements, $25 will be deposited to the new and referring member’s account on approximately the 91st day of the new member’s account opening.