*Promotion only qualifies on first membership established per primary individual. New member cannot have any prior primary accounts within the last two years. There is no limit to how many times a member can refer new members. For adult members, qualified applicants must be eligible by location or employer, or be a family member of a current Democracy FCU member. Promotion, membership eligibility and details available at democracyfcu.org. Direct deposit must be identifiable payroll direct deposit. $5 minimum deposit and $10 membership fee required to fund initial share savings account for new members. Offer available starting September 1, 2023, to any Democracy FCU eligible, promotion-qualified applicants. We reserve the right to end this campaign at any time. The $25 referral incentive will be deposited into each qualifying member’s Primary Share Savings Account 60 days after meeting requirements. Applicant provides referring member’s name. New member must be referred by an existing Democracy FCU member to receive this offer. Member referral bonuses are taxable dividends and will be reported on IRS Form 1099-INT. Promotions, terms and rates subject to change.