Calling All Christians–How Would You Like $100?

This post may contain affiliate links which help me keep the site running. All opinions and recommendations are 100% mine. I never recommend something I haven't tried and used myself.

This post may contain affiliate links which help me keep the blog running. I never recommend something I don’t believe in. All opinions and recommendations are 100% mine.


If you’re a regular reader of mine, I’m sure you have an emergency savings account (and if you don’t, I implore you—please get one ASAP. I’m about to tell you about a good place to open one, so listen up!). But one can never be too prepared right, so what’s another? Don’t like managing more than one account? What if opening another account earned you a cool $100—worth it then?! Thought that might help.

We have a few savings accounts because they each serve different purposes. Our main account is online at CIT Bank and has the vast majority of our emergency savings specifically for, well, emergencies! CIT offers the highest APY that I have found online—1.15%. If you know of any reputable bank offering higher, please let me know!

I keep a little money in an Ally Bank account online in case their rate ever surpasses CIT Bank’s rate. Ally is where I had our emergency savings before I found CIT, so I keep a small balance so the account remains open.

I keep another small slush fund savings account at my local bank for any of those last-minute or ill-forgotten expenses that pop up—a summer camp balance that’s due, a credit card bill that’s a little larger than normal, our quarterly tax payment (yuck!), etc.

And finally, I have some money in an online savings account with a little place called Thrivent Federal Credit Union. Here is where I keep the money that I intend to use for our kitchen remodel. Yeah, even though we built this house, we passed on a few upgrades because they could be done more cost effectively and with better quality down the road. Well, it’s been seven years and I’m still waiting on my glass tile back splash and Quartz countertops.emergency savings

So how did I find this quaint federally insured credit union? Through a partnership they have with Brightpeak Financial. Brightpeak Financial manages the Love & Money Project where I first fell in love with and purchased my Home Headquarters kit, which keeps my meal planning game strong.strong

See more here: Meal Planning 101: Save Time and Money


And why did I choose to bank with them? Well there are a few reasons. One, as you may have guessed from the teaser title, is because Brightpeak Financial offers a $100 cash bonus for funding an emergency savings share account with Thrivent Federal Credit Union. Who couldn’t use an extra Benjamin nowadays?

And B, it’s a federally insured credit union specifically established to help Christians achieve their financial goals. So yes, in case you are wondering, you do have to be a Christian to open an account.

Directly from their site:  *Why do I have to be Christian to open an account?

We are committed to offering educational resources to anyone who finds them helpful, no matter their beliefs or background. However, our unique structure as a not-for-profit, member-owned organization (called a Fraternal Benefit Society) legally requires that all of our members meet a common bond. For brightpeak financial (a division of Thrivent Financial), our members share the bond of Christianity. If you would like to learn more about Fraternal Benefit Societies or the legal requirements of this type of organization, you can find more here:


*Side note: I would be remiss if I didn’t take this opportunity to say this. If there’s even one person reading this that’s genuinely interested and wondering how to become a Christian, I want you to have that info without having to leave this post.

Romans 10:9-10 New King James Version (NKJV)

that if you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. 10 For with the heart one believes unto righteousness, and with the mouth confession is made unto salvation.

Believe and pray earnestly that you repent of your sins, that Jesus died on the cross for you, was raised from the dead and you accept His gift of salvation. There are no special words to say, just speak from the heart. And then make sure to share your decision with another—please feel free to even drop me a private email message! I’d love to hear from my new fellow brother or sister in Christ!


So now, what was that $100 bonus I mentioned, right? Well, Brightpeak wants to encourage you to get in the habit of saving money by rewarding you for doing so. To keep you motivated they are offering the $100 bonus in timed, incremental deposits to your TFCU emergency savings share account provided you meet the eligibility requirements.

In order to earn the bonuses, your account must be active with a minimum $50 deposit each month. After three months and a minimum $50 balance, you’ll get a $10 bonus. Three months later and a minimum $200 balance, a $15 bonus. After one year and a minimum $500 balance, a $25 bonus is yours. And after 24 months and a minimum $1,000 balance, a $50 bonus is added for $100 total in bonus cash.

As of the date of this post, TFCU is offering .10%-.50% APY depending on balance—not the best but I can almost guarantee it’s better than your local bank.

*Please note, this offer is not available in Arkansas, Georgia, Nevada, or Oklahoma.


The really fun thing about this account is besides the initial $50 deposit ($1 is all you need to open) I put in and the $50 a month recurring deposit, I have been funding it with “free” money. I make additional deposits whenever I can because at the end of my 24 months, after I’ve earned all the reward cash, my goal is to have enough for that kitchen remodel I mentioned.

So, you might be wondering, what is this free money I speak of? Well, any money that wasn’t earned from work, goes into this account. That includes the following: TopCashBack and Ebates cash back money; Ambit Energy Guaranteed Savings refund checks; Chase and Discover credit card cash back; MyPoints Paypal deposits; Ibotta, Checkout 51, MobiSave, and SavingStar cash back; and my 1Q survey earnings. You may not think that adds up to a whole lot…but you’d be wrong.

Related: Get Your Cash Back

Read More: The Best Money Making and Money Saving Apps


Now I’m going to do something I never do—share my numbers—go full disclosure!

My TFCU emergency savings account was opened with a $50 initial deposit on July 1, 2016 and my balance currently is…$2,523.58.

So, if you’re any good at math, you can see I’ve made only $600 in required deposits and the remaining balance is made up of “free” money deposits, interest earnings, and my Brightpeak bonuses for hitting the savings goals. That’s a hefty account balance that didn’t require much work. And I’m well on my way to that kitchen remodel–it will definitely be mine this time next year! Winner, winner, chicken dinner!!


So, even if you’re doing well with emergency savings, consider taking advantage of this offer. If you only put in the minimum deposits, in two years, you’ll have $1,300 plus interest. That’s a nice chunk of change towards a family vacation or some other worthy splurge! Let me know what you think of this offer and if you sign up, please leave me your feedback!

About The Author

Amy Davis

This post may contain affiliate links which help me keep the site running. All opinions and recommendations are 100% mine. I never recommend something I haven't tried and used myself.

I’m a former therapist turned stay-at-home mom sharing my tips and strategies to achieving freedom from debt. When I’m not blogging, cooking, cleaning or otherwise catering to the needs of my 4 little persons, you’ll find me binge watching Billions. #goals

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