Referral program conceptReferral program conceptThe goal is delivering the most relevant financial success education and content to everyone, for free. Every credit union that joins puts real money skills in front of thousands more people, and it pays the credit union back. Referrals spread that one peer at a time, because credit unions trust each other more than they trust a pitch.
Most money advice costs money. The big names charge for their courses, their apps and their coaching. But the people who need it most are the ones who can't pay for it. We think that's backwards, so everything we make is free. Credit unions are how that works. They care about their members, and they want them to win.
The newsletter, the course, the podcast and the calculators. Anyone can use them. No paywall, no credit card.
What a credit union pays for is to have its name alongside our content. Its own section in every issue, its brand on the course, and a dashboard that shows who's reading.
The credit union's money keeps it free for everyone. Members get the education, and the credit union gets the credit.
And most never learned how money works. That's the gap every credit union that joins helps close.
of U.S. adults couldn't cover a surprise $400 expense with cash or savings. 12% couldn't pay it at all.
Federal Reserve, SHED 2026is the average score on basic personal finance questions. The lowest in 10 years. Gen Z scored 38%.
TIAA Institute-GFLEC P-Fin Index 2026of workers say they're stressed about their finances, and it's hurting their sleep, health and work.
PwC Employee Financial Wellness Survey 2026is what the average adult says money mistakes cost them in 2025. That's $246 billion across the country.
National Financial Educators Council, Dec 2025A weekly newsletter they actually open (74% average), a full course, a podcast, calculators and FR Live, the interactive speaking tour. Less money stress, more confidence, real wealth over time.
Their own section in every issue puts their products in front of engaged members every week, and the dashboard shows who's reading and clicking. FR Live puts them in the room too: Todd speaks to their community, and we train their own outreach staff to give the interactive presentation with their products in it. Every person in the room signs up on their phone and lands with the credit union. That's the ROI story a referrer can tell a peer. Watch the 2:30 video
You already have the trust. You know credit unions we don't, and one intro from you does more than any pitch from us. Every credit union you send our way means thousands more people get this for free.
Put referrals in the partner portal Juli already uses, next to Your SEGs. Same engine we just built: a tracked link per person, counts that update on their own.
Peer's name, their credit union, an email. Ten seconds.
Her email app opens with everything filled in. It still comes from her, which is why it gets opened.
"Juli at USF sent you this." Her quote, the video, a gift, a button to book Todd.
Straight onto Todd's calendar. No reply chain.
Sent, watched, call booked, signed. Each step emails her a thank-you.
What Juli sees in her portal
What the peer sees when they click
"Our members open it every week, and our products are right there in it. It's the easiest win we've had in member education."
Two steps, that's it. Every reward is more financial education or something for the whole credit union, not anything for Juli personally. That's what keeps it clear of the referral fee rules she raised.
A shout-out to their credit union in that week's partner section. "Thanks, USF."
100 free Financial Rebellion books for their branches and members.
A credit union's board wants to know what else they're doing for the community. "We brought another credit union into free financial education" is a great line to bring to the next board meeting, and the books are member education they'd pay for anyway.
When they sign, their office gets Financial Rebellion shirts with their credit union's name on them. Ladies' and men's golf shirts, tees and long-sleeve sun shirts. "Because Juli sent you" makes it personal.