Find the latest DFCU Financial bonuses, promotions, and offers here.
Update 9/26/25: There’s currently a $175 referral bonus when referring friends/family to open a new account. The referred party will also earn a $175 bonus after meeting the requirements.
DFCU Financial Review
Founded in 2005, DFCU Financial is a state-chartered credit union headquartered in Dearborn, Michigan, regulated by Michigan’s Department of Licensing and Regulatory Affairs. DFCU Financial is Michigan’s second largest credit union behind Lake Michigan Credit Union.
I’ll go over the DFCU Financial offers below.
DFCU Financial $175 Referral Bonus
- What you’ll get: $175 bonus
- Eligible account: DFCUPerks Plus, DFCUPerks, Basic Checking
- Where it’s available: MI, FL (Bank Locator)
- Credit Inquiry: Unknown
- Direct Deposit Required: Yes
- Monthly Fee: $5; waivable
- How to earn it:
- How to make a referral.
- Checking Account:
- Existing member registers for ReferLive Checking Account Program.
- Existing member shares the referral offer with friends and family.
- Referred member receives referral offer and completes their ReferLive registration.
- Referred member opens a new checking account.
- New account holder meets the qualification requirements and within 90 days: makes two (2) direct deposits of $100 or more, AND makes five (5) Mastercard® debit card transactions (pin or signature, excluding ATM transactions).
- Both the existing and the new account holder each receive a $175 Reward card!
- Auto Loan:
- Existing member registers for the ReferLive Auto Loan Program.
- Existing member shares that referral offer with friends and family.
- Referred member receives referral offer and completes their ReferLive registration.
- Referred member opens a new auto loan.
- New auto loan account holder meets the qualification requirements within six months: close an auto loan of $15,000 or more.
- Existing member will receive a $175 Reward card and new auto loan member will receive $175 Reward card!
- NEW Mortgages:
- Existing member registers for ReferLive program
- Existing member shares that referral offer with friends and family.
- Referred member receives referral offer and completes their ReferLive registration.
- Referred member closes on a DFCU Mortgage within 6 months.
- Existing member will receive a $275 Reward card and new Mortgage member will receive $175 Reward card!
- Checking Account:
- How to make a referral.
(Limited time offer)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- Existing members can earn up to $2,750 by referring 10 friends or family members ( For limited time – now through December 2025).
- Please allow 4-6 weeks after completing qualifications for Reward Card to arrive.
- Members are able to participate in checking, auto and mortgage loan referral program.
- Disclaimer: Referral rewards are paid in the form of a Mastercard Reward Card. Each referral offer has unique referral qualifications and reward amounts.
- This offer is not available to any referred person who already has a DFCU Financial Checking account. Direct deposits include deposits made by your employer, or a federal or state government agency or retirement benefits administrator, and, generally, payments made by corporations or other organizations. It does not include deposits to your account that are made by an individual using online banking or an internet payment provider such as PayPal.
- All deposit and loan accounts must meet applicable membership, identity verification and credit criteria before being opened. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. DFCU Financial reserves the right to amend, suspend, or terminate the referral program at any time without notice. Offer pertains to only U.S. residents. Offer not valid on existing DFCU Financial auto loan refinances.
- This offer is not available to any referred person who already has a DFCU Financial Checking account.
- DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. DFCU Financial is an equal opportunity lender. All home lending products are subject to credit and property approval. Rates and program terms and conditions are subject to change without notice. ARM rates and payments may increase or decrease after consummation due to market-driven changes to the index. ARM rate and payment adjustments are based on the SOFR 30 day average as reported by the New York Fed. plus 3.00% margin. For the 5/6 ARM, the interest rate can increase or decrease up to 2% the first adjustment period and 1% per adjustment period after that, with a lifetime cap of 5%. For the 7/6 and 10/6 ARMS, the interest rate can increase or decrease up to 5% the first adjustment period and 1% per adjustment period after that, with a lifetime cap of 5%.
How To Waive Monthly Fees
- Cashback Checking: $5 monthly fee, waived with a $5,000 average daily balance
- Simplicity Checking: $5 month fee easily waived
- Maintain a $100 average daily balance OR make 5 (five) debit card purchases per month
- If you’re age 21 or under
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Conclusion
We are here to provide you with the best promotions from DFCU Financial. Any time there is a new offer or coupon code we will update you here.
Although these bank promotions are rather generous, you can also utilize our list of Savings, Money Market, and CD rates to find other great promotions.
If you don’t have an DFCU Financial near you, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
Feel free to comment on this post with any questions you may have about DFCU Financial.
