How the Program Works

You can earn Rewards for referring family and friends to Advantage One Credit Union. To start earning Rewards, simply join the Advantage One Credit Union Referral Program (“Program”) by providing your name, a valid email address, your date of birth, and accepting the Program Terms & Conditions. Then you can refer your family and friends by email, social media, or by sending them a personal referral link.

If you are planning to become an Advantage One Credit Union member because a family member or friend referred you to us, make sure you claim your referral offer by clicking on the link you received and providing your name and a valid email address.  Once you become an Advantage One member, simply return to the referral site and provide us with your date of birth and complete the required actions.


The following provides a brief summary of the Referral Program. For complete details and Official Terms and Conditions, visit https://myaocu.rstrm.com/common/terms.pg.


Eligibility for Referring Participants

  • You must be current Advantage One Credit Union member in good standing.
  • You must be a natural person18 years of age or older.  Business members are not eligible for this Program.
  • You must sign up for the Advantage One Credit Union Referral Program by providing the following information as listed on your Advantage One Credit Union account: your name, your date of birth and a valid email address.
  • You must agree to accept Program emails and accept and abide by the Program’s Terms & Conditions.
  • You cannot earn a reward for referring someone who already claimed a referral offer from you or from someone else.  A Referred Participant can only accept one Referral Offer.
  • You cannot refer yourself, use false names, invite fictitious people, use multiple email addresses or accounts, impersonate another person, or provide false information.
  • The Referred Participant must meet satisfy all of the eligibility requirements set forth below.
  • Assuming you and the Referred Participant meet all eligibility requirements and abide by the Program’s Terms & Conditions, $100.00 will be credited to your Advantage One Credit Union savings account within 60 business days after the Referred Participant closes on his/her eligible loan closing, provided both you and the Referred Participant are still members in good standing at that time.


Eligibility Requirements for Referred Participants

  • You must be a natural person,18 years of age or older.
  • You must live, work, worship or attend school in one of the following counties within Michigan:  Clinton, Eaton, Genesee, Hillsdale, Ingham, Jackson, Lapeer, Lenewee, Livingston, Macomb, Monroe, Oakland, Shiawassee, St. Clair, Washtenaw or Wayne.
  • You must claim your Referral Offer by providing your name, your date of birth and a valid email address.
  • You must agree to accept Program emails and accept and abide by the Program Terms & Conditions.
  • You may claim only one Referral Offer.
  • You must become a member of Advantage One Credit Union and complete the following actions within 60 days of claiming your Referral Offer:Open a Savings Account with a minimum opening deposit of $5.
  • Apply for, be approved and close on a new loan in an amount of $5,000 or more* or transfer an Eligible Loan from another lender to Advantage One. Loan approval is determined by creditworthiness. Eligible Loans excludes Visa credit cards, personal lines of credit, overdraft lines of credit and any and all existing loans with Advantage One Credit Union.  See Official Terms and conditions for an full explanation of what loans constitute Eligible Loans.
  • Assuming you and the Referring Participant meet all eligibility requirements and abide by the Program’s Terms & Conditions, $100.00 will be credited to your Advantage One Credit Union savings account within 60 business days after loan closing, provided you are still a Credit Union member in good standing at that time.
  • Once you are a member of Advantage One Credit Union, you may participate in the Program as a Referring Participant by referring your friends and family to Advantage One Credit Union.


For complete Program details and Official Terms and Conditions, visit https://myaocu.rstrm.com/common/terms.pg.