Take a look at Sacramento Credit Union promotions, bonuses, and offers!
Update 10/22/25: There’s currently a $300 checking bonus for First Responders available for a limited time.
About Sacramento Credit Union Promotions
Sacramento Credit Union is headquartered in Sacramento, California, and was founded in 1935. Since then they have grown to seven locations, offer CD rates that are 73% higher than the national average, and they boast an A+ health rating.
| Eligibility: Membership is open to anyone who lives or regularly works in Sacramento, El Dorado, Placer, Sutter, Yolo, Solano, or Yuba Counties in California. Also eligible are any business corporations or legal entities in those counties. See current membership details |
Sacramento Credit Union $300 Checking Bonus (First Responders)
Sacramento Credit Union is offering a $300 bonus when you open a new qualifying checking account
- What you’ll get: $300 bonus
- Account Type: Free Checking Account
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft, report of hard pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a Free Reward Checking Account using promo code ACADEMY300 with a minimum opening deposit of $25.
- Within 90 calendar days of account opening (the “Qualification Period”), the account must receive $2,000 or more in qualifying electronic direct deposits.
- If all requirements are met, the $300 bonus will be deposited to your Free Rewards Checking account within 30 calendar days following the end of the Qualification Period.
- To receive the $300 bonus: To take advantage of the $300 Bonus Academy Special Limited Time Offer, you must use the promo code ACADEMY300 when completing the application. You may open your account at a Sacramento Credit Union branch, online via our SactoCU.org website or using your SCU online banking or mobile app.
- Offer Eligibility: This offer is available to new Free Rewards Checking account holders only who are attending or have graduated the Sacramento County Sherrif’s Academy during the promotion period. Existing members with an open SCU checking account and/or members who have participated in a Free Rewards Checking Account promotion within the past five (5) years are not eligible for this offer. Limit one $300 bonus per member, regardless of the number of accounts opened. Offer may be changed or withdrawn at any time without notice.
- You must open a new Free Rewards Checking account, subject to approval, with a minimum opening deposit of $25.
- Within 90 calendar days of account opening (the “Qualification Period”), the account must receive $2,000 or more in qualifying electronic direct deposits.
- Qualifying direct deposits are deposits of regular income – such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party – using your account number and SCU’s routing number that you provide to them. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, SCU Digital Banking transfers or deposits, deposits processed as a debit card credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers.
If all requirements are met, the $300 bonus will be deposited to your Free Rewards Checking account within 30 calendar days following the end of the Qualification Period.
- Important Tax Information: The bonus will be reported as interest on IRS Form 1099-INT and may be subject to applicable taxes. You are responsible for any tax obligations. If you are subject to backup withholding, the bonus may be reduced accordingly.
Sacramento Credit Union $200 Checking Bonus (Expired)
Sacramento Credit Union is offering a $200 bonus when you open a new qualifying checking account
- What you’ll get: $200 bonus
- Account Type: Free Checking Account
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft, report of hard pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Expires 12/31/2024)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a Free Rewards Checking account with Direct Deposit and get a $200 Bonus!
- Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening.
- A $200 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening.
- Checking account opened must be qualified based upon standard Sacramento Credit Union guidelines.
- Existing Sacramento Credit Union checking account holders are ineligible for the $200 bonus.
- Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening.
- A $200 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening.
- Bonus is considered interest and will be reported on IRS form 1099-INT.
- Offer valid through December 31, 2024.
Sacramento Credit Union $50 Referral Bonus (Expired)
Sacramento Credit Union $50 Referral Bonus
Sacramento Credit Union is offering a $50 referral bonus when you refer a friend.
- What you’ll get: $50 bonus for you, $50 for your friend(up to $250)
- Account Type: Checking Account
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft, report of hard pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,500 Cash Bonus), | |
HOW TO EARN BONUSFINE PRINT
- For members:
- Tell someone about the great products and service at SCU
- If they join the credit union and open a FREE checking account, you both get $50
- Please have your friend use code “FRIENDS” when opening the account.
- For new referred members:
- Open an account to become a member of Sacramento Credit Union and qualify for this promotion
- a $25 deposit is required to open one of our free checking accounts.
- Please use code “FRIENDS” when you open the account online.
- The $50 referral incentive is limited to five per member and paid for new member referrals only.
- The referring member must be a member of Sacramento Credit Union for at least 30 days and have an open Sacramento Credit Union checking account at time of the referral.
- The referral incentive is posted to Sacramento Credit Union Savings Account on the last day of the month following 60 days of the referred account opening.
- The referred member must open a Sacramento Credit Union checking account to be qualified for this promotion and the $50 incentive.
- Use of the Refer-A-Friend form expresses the referring member’s and the referred member’s participation in the Refer-A-Friend program.
- The referral incentive is considered interest and new (referred) members will receive an IRS 1099-INT form on the $50 deposited to the new account.
- This offer is available for a limited time at our Folsom Branch only.
How To Waive Monthly Fees
- Free Checking: None
- Free Rewards Checking: None
- Free Interest Checking: None
- Free Business Checking: None
- Business Interest Checking: $5 monthly fee. Maintain a $5,000 minimum balance to avoid the monthly account fee
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Bottom Line
Sacramento Credit Union is offering a bonus when you open a qualifying rewards account. Firstly this promotion provides great services and simple to meet requirements on top of the bonus. Secondly, this promotion triggers a soft pull so I highly recommend it since it does not hurt your credit score.
Therefore feel free to comment below and let us know whether this triggers a soft pull or not. We value your feedback and will continue to keep you posted on the latest bank offers nationwide.
Sacramento Credit Union can offer you fantastic resources to better your banking experience, and while they provide somewhat competitive Savings and CD rates. You should take advantage of our full list of Bank Rates and CD Rates to get the best deal for you!
*Compare Sacramento Credit Union Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, and more!*
*Check back at this page for updated Sacramento Credit Union promotions, bonuses, and offers.
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