KEMBA will be closed on Monday, October 13, 2025 to observe Columbus Day.

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Refer a new member, get rewarded!

Don’t let your peeps miss out on better banking! Invite your friends, family, neighbors, and co-workers to join KEMBA and receive $25 for each new member you refer. Plus, they’ll get a $25 welcome reward too!

 

It’s a WIN-WIN!

 

To qualify for reward payment, all referrals must be tracked in our referral portal using your unique link.

Enroll to start referring!
Member Referral
Step 1

Register in our referral portal with your full name and email address as shown on your KEMBA membership. Your information must match to ensure you receive your reward payment.

 

Step 2

Once registered in our referral platform, you can send invitations to your friends, family, co-workers and neighbors.  Send invites via email, text message and even share on your social media pages!

 

Step 3

Once they become a member using your unique referral link and have met all qualifications and requirements, you’ll both receive a $25 deposit into your KEMBA accounts!

 

 

EARN REWARDS!

Spread the word about KEMBA Credit Union!
Tell your friends, family, neighbors, and co-workers about the benefits of KEMBA membership! When they join KEMBA, you’ll both earn a cash reward!

Good news: Almost anyone who lives in Central Indiana is eligible to join.

View eligibility requirements here.

 

SEND REFERRALS IN MINUTES!

Referring a new member to KEMBA is easy

and you can start right now!
Just click the button below to get started. You’ll be taken to our referral system, where you can send membership invites via email, text, or social media. You’ll also be able to track your referral progress every step of the way!

Start Referring Now!

As a KEMBA member, if we do a good job for you, the biggest compliment you can give us is to refer anyone that may benefit from KEMBA membership and our services. We are excited to reward you for your efforts to help us keep doing what we do! If you have any questions or need assistance, please contact us. 92 icon

 

KEMBA Member Referral Program Terms & Conditions effective 06/01/2025

Please read these terms and conditions carefully prior to participating in the KEMBA Indianapolis Credit Union Member Referral Program (the “Program”). It is your responsibility to ensure you have read and understand the rules of the Program. By participating in the Program, you accept and agree to the terms and conditions of this Terms of Use Agreement. If you do not accept and agree to the terms and conditions of this agreement you may not participate in the Program.

  • The Program is available for consumer accounts only, no business or not-for-profit accounts.
  • Members assume all tax liabilities for all incentives/bonuses paid.
  • We reserve the right to cancel, modify or terminate the Program at any time for any reason without notice.
  • We reserve the right to disqualify any referring KEMBA member or referred individual at any time from participation in the Program at our discretion, for any reason, including, but not limited to, fraudulent or illegal activity, Program abuse, or failure to comply with any of the terms or conditions of the Program.
  • The referred applicant must open these qualifying products/ services and maintain an active status within the first 90 days of account opening.
  • A savings account (01) with a minimum opening deposit of $5.00
  • An active KEMBA checking account and/ or Loan product (Auto, Personal, Home Equity or Credit Card)
  • Active is defined as at least 1 deposit or loan payment transaction per month.
  • If applicant is a minor, the qualifications for a new Kids/ Teen Club membership are a savings account (01) with active monthly deposit activity by direct deposit or automatic transfer in the 90-day period.
  • The qualifying products/ services and activities must be completed within the first 90 days of account opening.
  • Credit Union tracking for the payments of any referral will not exceed the 90-day period.
  • A minimum $5.00 balance must always be maintained in the primary savings account (01).
  • Referring members must be eighteen years of age or older to participate in the Program.
  • Referrals must be documented in our referral system; members must create an account using their email address and other required information.
  • KEMBA Credit Union employees and members of their household are not eligible to participate in the Program or receive any of the Program referral incentives.

The referring KEMBA Credit Union Member:

  • You must have a membership account in good standing to be eligible to refer. Accounts in good standing will be deemed at our discretion.
  • The referred applicant must use the referring member’s unique referral link when opening an account using our online application or present the referring member’s information when opening an account in person for incentive/bonus to be paid.
  • Incentive/bonus will be credited to the primary savings account once the referred individual opens the stated qualifying account(s), keeps the account open and meets activity requirements for 90 days and the account has been reviewed by the credit union.
  • Only one referring KEMBA member will be paid for each new account referral.
  • There is a limit of 24 referrals with a maximum payment of $599 annually for the referring member.

The referred KEMBA Applicant:

  • All memberships and accounts are subject to credit union approval.
  • You must meet all regular eligibility requirements for membership.
  • You must open the qualifying membership account(s) and meet the activity and other requirements.
  • You must not have had any membership, account or loan with KEMBA Credit Union during the preceding 24 months or had any account or loan previously charged off.
  • You must use the unique referral link when opening an account online or present the referring member’s information when opening an account in person or online for incentive/bonus to be paid.
  • You waive your privacy rights and any other requirements for us to disclose the opening of an account and meeting stated qualifications to pay the incentive/bonus to the referring KEMBA Credit Union member.
  • Accounts must be open for 90 days and remain in good standing (at our discretion) for an incentive/bonus to be paid. Incentive/bonus will be credited to the primary savings account.
  • Limit one incentive/bonus for being a new member. As a new KEMBA member, you may then be eligible to refer other new members to the credit union to earn the referral incentive/bonus.
  • Eligibility for new accounts is verified through Experian and ChexSystems.