* Promotion is only valid for new accounts opened from September 1 – October 31, 2019. Promotion Code Y5 and referring Member information must be provided during the application process, retroactive referrals will not be eligible. The incentive is only for new member accounts, not new accounts for existing members or joint members and is based on account openings, not applications. Youth is defined as a new member up to 25 years of age. Each person can only be a new Member once. A Joint Savings Account Owner age 18 or older is required for Members under 12. For a checking account and check card all parties on the account must be 16 or older. If criteria is met and the referring member is in good standing, Referring and New Members’ Primary Savings Accounts will each receive the $50 incentive by the 25th of the following month after the new Primary Savings Account is opened. The incentive will be a taxable dividend on the 1099 Form we will send you in January. Payment of taxes on incentive will be the responsibility of the recipient. Current Annual Percentage Yield (APY ) is .25%. Offer is subject to change without notice and cannot be combined with any other offer. Visit FreedomCU.org for complete details.