* Referral Credit: $25 for Consumer Loans & $50 for Mortgage, Land, or Home Equity Loans. You must be a member in good standing to be eligible to participate in Wailuku FCU’s Loan Referral Program. Once it is determined that all criteria has been met, the appropriate incentive will be paid to the referrer and the referee’s savings account within 30 days of loan closing. Minimum loan amount of $1,000. Member responsible for paying all taxes associated with the reward. Wailuku FCU may modify the terms of the program or discontinue the program at any time without prior notice.