(1) Must be a current YMCA member at the YMCA of Southwestern Indiana association, which includes the Ascension St. Vincent YMCA and the Dunigan Family YMCA. (2) Credit is a one-time, non-recurring credit that will be applied to your account within 30 days of new member joining. No limit to the numberof credits a member may receive. Credit will be applied to current balance on account. If no balance exists, credit can be applied to futurepurchase. No cash back. YMCA Staff ineligible to receive referral credit. (3) Membership refers to membership unit, not individual persons. For example, if a YMCA Member refers a new Family membership (which includes two parents plus children), that is considered one membership earning a single $10 credit.