Last updated: November 2025. These offers change often so always verify availability.
Many people avoid credit unions due to the stigma about memberships, fees, and restrictions. It’s true that you do need to qualify for membership to be part of a credit union. However, many of them will pay membership dues as long as you qualify for an account. In fact, most credit union memberships are easier to get into than you might first think. They may also offer promotional bonuses for new members as well.
If you’re unsure which credit unions you might qualify for, in addition to their corresponding promotions, don’t sweat it. We’ve compiled a list of the best credit union bonus promotions you can take advantage of. Some of them are excluded to specific localities. The majority of them, however, apply to customers across the nation just like you. You may even find a new community when you join these credit unions.
Plus, many credit unions offer specific perks for their members only. These can include everything from new member bonuses to discounted loan rates, higher savings account interest rates, and other special offers. That’s because the focus of a credit union remains on its existing members instead of catering to the masses. Customer service rises to the top of the priority list with any credit union.
Are you ready to see what credit union bonus promotions you can take advantage of? Let’s get started!
Best Credit Union Bonus Promotions
Some of the best bank account bonuses come from credit unions. In fact, you might even be able to earn some passive income by opening an account with your local credit union. See which opportunities you can take advantage of with the credit union promotions listed below.
| Credit Union | Bonus | Requirements | Availability | Pros | Cons |
|---|---|---|---|---|---|
| Clearview FCU Offer | $500 max | $500 deposit plus optional savings bonus steps | Nationwide | High bonus, flexible tiers | Multiple steps, long timeline |
| Provident CU Offer | $475 | $500 DD for 2 months | California | Large payout | Heavy debit usage, CA only |
| United Federal CU Offer | $700 max | Varies by product | Nationwide | Biggest payout | Most requirements |
| PSECU Bonus | $300 | $500 DD in 90 days | Nationwide | Easy to qualify | Slow payout |
| MIDFLORIDA CU Offer | $400 max | $4,000 DD tier or $2,000 DD tier | Florida | High bonus value | Large DD, FL only |
| KeyPoint CU Offer | $300 | $1,000 deposit + 40 debit purchases | California | Low opening deposit | High transactions |
| A+ FCU Bonus | $100 | $800 DD | Texas | Easy membership | Small bonus |
| Benchmark FCU Bonus | $300 | $200 DD within 60 days | Pennsylvania | Low DD, no fees | PA only |
| Credit Union of Texas Bonus | $250 | $600 DD | Texas | Simple qualifications | Monthly fee unless waived |
| Florida CU Offer | $300 | $500 deposit | Florida counties | No monthly fees | County restrictions |
| Community First CU Bonus | $200 | $1,000 DD + debit enrollment | Florida | Referral bonuses | Several small steps |
| SECU MD Bonus | $200 | $500 DD | Maryland | Easy membership | MD only |
| USECU Bonus | $200 max | $250 DD + timeline | California | Low DD | Slow payout |
A+ Federal Credit Union — $100 Bonus
🔗 Website: https://aplusfcu.org
Availability: Texas
Bonus: $100
How to qualify:
- Open a Cash Back Checking account with promo code 2025SEG100
- Join through an eligible organization or donate $10 to the A+ Education Foundation
- Receive $800+ in payroll direct deposits within the first 60 days
Why we like it: Easy membership and a fast payout.
Keep in mind: Smaller bonus compared to others.
Arizona Central Credit Union — Up to $500 Bonus
🔗 Website: https://www.azcentralcu.org
Availability: Arizona
Bonus: Up to $500
How to qualify:
- Open a new checking account
- Set up $500/month direct deposit for the $250 tier
- Set up $1,000/month direct deposit for the $500 tier
Why we like it: One of the largest bonuses in Arizona.
Keep in mind: Must live or work in eligible AZ areas.
BECU — $100 Bonus
🔗 Website: https://becu.org
Availability: Nationwide (via KEXP donation)
Bonus: $100
How to qualify:
- Join KEXP by donating $10
- Open BECU checking & savings with promo code CAREERPATH
- Complete 5 qualifying transactions, such as debit purchases or deposits
Why we like it: Easy nationwide access.
Keep in mind: Must join KEXP for eligibility.
Benchmark Federal Credit Union — $300 Bonus
🔗 Website: https://benchmarkfcu.org
Availability: Pennsylvania
Bonus: $300
How to qualify:
- Open the Ultimate Debit Rewards Checking
- Receive $200+ in recurring payroll direct deposits within 60 days
- No monthly maintenance fees
Why we like it: Very low direct deposit requirement.
Keep in mind: PA-only membership.
Clearview Federal Credit Union — Up to $500 Bonus
🔗 Website: https://www.clearviewfcu.org
Availability: Nationwide
Bonus: Up to $500
How to qualify:
- Open a new checking account using promo code SWITCH
- Receive $500+ in qualifying direct deposits within 60 days
- Earn additional bonuses for opening savings and keeping your account open
Why we like it: Strong nationwide availability and multiple earning tiers.
Keep in mind: Requires several steps to reach the full $500.
Community First Credit Union — $200 Bonus
🔗 Website: https://communityfirstfl.org
Availability: Florida
Bonus: $200
How to qualify:
- Open Advantage or Bonus Debit Checking
- Use promo code CHK2022
- Receive $1,000 in cumulative direct deposits in first 90 days
- Earn small bonuses for using debit and referring friends
Why we like it: Multi-part bonus with early paycheck access.
Keep in mind: Several small tasks required.
Credit Union of Texas — $250 Bonus
🔗 Website: https://www.cutx.org
Availability: Texas
Bonus: $250
How to qualify:
- Open a Secure Plus Checking account with promo code 250
- Deposit $25 at opening
- Receive $600+ in direct deposits within 60 days
- Keep the account open for six months
Why we like it: Simple requirements and low deposit.
Keep in mind: Monthly fee unless waived.
Florida Credit Union — $300 Bonus
🔗 Website: https://flcu.org
Availability: Select Florida counties
Bonus: $300
How to qualify:
- Open Value Checking or Interest Checking
- Use promo code 22CHK300
- Make a single or combined deposit of $500+ within 60 days
- Keep the account open for 90 days
Why we like it: No monthly fees and easy qualification.
Keep in mind: Geographic eligibility can be restrictive.
KeyPoint Credit Union — $300 Bonus
🔗 Website: https://kpcu.com
Availability: California
Bonus: $300
How to qualify:
- Open checking with a $25 opening deposit
- Join the Financial Fitness Association for free
- Deposit $1,000 or more in first 50 days
- Make 40 debit card purchases within three months
Why we like it: Low minimum opening amount.
Keep in mind: High transaction requirement.
Provident Credit Union — $300 Bonus
🔗 Website: https://providentcu.org
Availability: California
Bonus: $300
How to qualify:
- Use promo code 9772 to open a new account
- Deposit $25 within 60 days
- Make $400+ in purchases for two consecutive months
- Deposit $500+ during that same period
- Enroll in online banking & eDocuments
Why we like it: Good long-term value for CA members.
Keep in mind: Requires two months of spending activity.
SECU (Maryland) — $200 Bonus
🔗 Website: https://secumd.org
Availability: Maryland
Bonus: $200
How to qualify:
- Open Total™ Checking & Rewards
- Make a one-time charitable foundation donation
- Enroll in eStatements
- Receive $500+ per month in direct deposits within 90 days
Why we like it: Very easy membership eligibility.
Keep in mind: MD-only membership.
USE Credit Union — Up to $200 Bonus
🔗 Website: https://www.usecu.org
Availability: California
Bonus: Up to $200
How to qualify:
- Open a new checking account with promo code NewMover
- Receive $250+ in direct deposits within 90 days
- Get $100 after keeping the account open for 6 months
- Earn another $100 after 12 months
Why we like it: Very low direct deposit requirement.
Keep in mind: Bonus pays out slowly over a year.
Requirements for Credit Union Membership
Unlike private banks and even national banks, credit unions restrict their membership based on their own requirements beyond just financial qualifications. These often vary from location to membership in specific organizations that the credit union may partner with. For example, Navy Federal Credit Union offers membership to active military members and their families.
Many credit unions also award membership based on where you work or live. If you’re a freelancer, you may not qualify for the career requirements, but you could potentially qualify if you live in a specific county or region. There typically aren’t age requirements for membership in credit unions, but if you’re working age you are more likely to qualify.
FAQs
No, not all credit unions charge membership fees. However, the organization with which they’re associated may require fees. While some credit unions will pay those fees for members, this is not always the case.
Commercial banks often operate across the nation and provide generalized services for their members. Generally speaking, credit unions are smaller and tend to focus on a specific locality or area. Emphasis is placed on serving local customers’ needs.
Navy Federal Credit Union serves the most customers nationwide. However, several smaller credit unions serve quite a few people, including those on our list above.
Improve Your Finances with a Credit Union Bonus Promotion
We hope you’ve found this article on credit union bonus promotions helpful in seeing how many opportunities there are out there for earning some extra cash. While it might not always be easy or possible for you to qualify for membership at all these credit unions, there are likely a few in your neighborhood that you can take advantage of. In addition, you may find the perks that come with these accounts rival those of national or even commercial banks. Which credit unions will you join, and how will you spend those rewards?