90th Anniversary Member Referral Celebration

Member Referral

Introducing our 90th anniversary member referral celebration!

As a valued member of GTE Financial, your credit union wants to say thank you in a big way.

Members can earn $50 UNLIMITED Referral Cash!

Plus, your new member referral can earn $200 with a qualified product.

July 14 through October 31, 2025

Already a member? How referral cash works:

  • To get an UNLIMITED $50
    • Give your friends and family your unique referral code
    • Login to Online Banking to get your code
  • When your referral joins GTE, they can get $200 with a new checking account or loan
    • See qualifying products below
  • Your referral must use your code when they apply for membership
    • Online: your referral will input your code into the referral field
    • In-person: your referral can provide the code to the GTE employee
    • The code cannot be added after the new member application is submitted
  • Once you both qualify, you will earn $50 + they earn $200
  • Best of all, you can earn UNLIMITED $50 Referral Cash
  • 50 friends that all qualify? You’ll get $2,500

What is a referral code?

Every member has a unique referral code. To get your referral code: 

  1. Login to Online Banking
  2. Click ‘Offers’
  3. Click ‘Member Referral’ to retrieve your code
APPLY ONLINE
SET AN APPOINTMENT

What does your referral have to do to qualify?

Both the referring member and new member must be 18 or older and a Florida resident to qualify for referral cash. The new member must have had no prior relationship with GTE Financial in 2024 or 2025. The referral will need to join the credit union and complete qualifications for one (1) of the featured products below between July 14 and October 31, 2025. Once all requirements are met, the new member can earn a maximum of one (1) $200 payout. The referring member can earn UNLIMITED $50 payouts for each qualifying referral. Payments are contingent on both members meeting requirements*.

What products qualify? How does this work:

Step 1: Referral code must be submitted at the time of application

  • Use the referral code of the existing member (ensure it’s accurate)
  • The referred friend will need to enter the referral code when they apply to join GTE  
  • The code cannot be added after the new member application is submitted

Step 2: New, referred member opens a new checking account or loan to qualify for $200 

  • Open a new Consumer Checking Account
    • All Consumer Checking Accounts qualify
    • For a Student Checking Account, the referred member must be 18 or older
    • Fund with a minimum of $100 within 10 days of opening the account
    • Direct deposit must hit the account, totaling $2,000 during the promotional period**
  • Qualifying loan must apply, close and fund between July 14 and October 31, 2025
    • Home Equity Line of Credit
    • Home Equity Loan
    • Home Loan – Non-GTE Refinance or a Purchase Home Loan
    • Auto Loan – Non-GTE Refinance or a Purchase for a Used or New Auto Loan
    • To qualify, a refinanced loan must be from a different financial institution, not GTE 
    • Auto loan must be a direct loan (indirect car loans procured through a car dealership are ineligible)

When will I get paid?

All qualifying members will receive their payment by the 3rd week in November. If there are multiple qualified payouts for the existing member, they will be combined into a single deposit into the referring member’s primary savings account. Since offers cannot be combined, if a member receives a $25 Member Referral payout during the promotional period of July 14 and October 31, 2025, payouts will be adjusted as applicable.

*Referral incentives cannot be combined with other offers or incentives. Both members’ accounts (the existing member referrer and the new referred member) must be active and in good standing, including no prior charged-off account to receive a referral payment. Both members must be a primary accountholder, must be at least 18 years old and Florida residents. The referring member can earn an unlimited $50 payout upon qualification. The referred, new member can only earn one (1) $200 payout upon qualification. The referred member must not have had any relationship with GTE Financial in 2024 or 2025, to qualify as a new member. The new member must fund a member owner share account with $5, open a regular share account, and open a qualifying product, with all requirements met, during the promotional time period of 7/14/2025 and 10/31/2025. Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. Rates, terms and conditions subject to change without notice. All loans are subject to approval. Application through loan funding must occur during the promotional time period to qualify; timing can vary depending on the loan. Referral code must be accurately inputted or applied at the new member application time to qualify (it cannot be added at a different time, and the unique referral code must match the existing member accurately). If the existing member receives payment for the $25 Refer-a-Friend program during the promotional time period, final referral payout for this promotion will be adjusted, as offers cannot be combined. Payment may also be denied if it is determined that the system has been “gamed” or manipulated whereby accounts are not genuine. Legal action may be pursued. Promotion is subject to change or cancellation without notice. Payouts will occur by the 3rd week in November 2025 into the members’ primary share account. GTE Financial and its employees, affiliates, subsidiaries, and agents are not responsible for: technical failures or errors related to the referral code and application process; late or incomplete applications; any injuries, losses, or damages caused by participation.

**Direct deposit must be intact and active at the time of payment to receive the referral payout. Please note, direct deposit must hit the account during the promotional time period; timing for direct deposit set-up and payment is variable and contingent on the employer.