Save to Win is a special savings product that offers the participating credit union members an opportunity to win cash prizes — just for saving!  The program offers a fun, innovative and exciting way to save, which empowers members to achieve financial success. For every $25 you save into a Save To Win account, you earn an entry into the monthly, quarterly and/or annual drawings (where applicable). Not only will you build your savings and earn dividends, but you can also win multiple prizes throughout the year. Eligibility requirements and Official Rules apply. Please reach out for full details.

Because it’s a no-risk and all-reward account. You have nothing to lose — and everything to win! Not everyone will win a cash prize, but with regular deposits you can watch your savings grow and be empowered to achieve financial success. You keep the money you save, earn any applicable dividends, and earn chances to win big cash prizes. It’s a Win-Win-Win opportunity!

The best prize is to see your savings grow with regular deposits each month. But to make saving even sweeter, hundreds of monthly cash prizes and several quarterly cash prizes will be awarded throughout the year. The eligible winners will be notified by the credit union via phone, email and/or mail. Please refer to the credit union’s account disclosures and the credit union’s Official Rules for details. The Official Rules and a complete list of prizes are also available at www.savetowin.org.

To participate in the program, you must open a Qualifying Save to Win Account at a participating credit union. Contact your credit union and speak to a representative today to get started. Eligibility requirements and Official Rules apply. Ask your representative for details.

You can pick them up at your credit union or download a PDF version from the credit union’s website. You can also view them here: www.savetowin.org.

An account holder earns one entry into the monthly, quarterly and/or annual prize drawings (where applicable), for every $25 increase in the monthly balance of the Qualifying Save To Win Account at month’s end. Entries are calculated based on a month-over-month balance increase, as reported by the credit union in the monthly data file each month. This means there must be an increase of at least $25 in the reported ending balance of the current month when compared to the reported ending balance of the previous month. This month-over-month balance increase is calculated based on the Save to Win member record reported by the credit union each month. If a Qualifying Account is closed and a new Qualifying Account is opened for any reason during the month, the month-end balance reported by the credit union in the previous month’s data file will be used as the starting balance for the current month to calculate the month-over-month balance increase, which constitutes entries for the current month. The more you save, the more chances you receive to win! Max 100 entries per month. Max 300 per quarter. Max 1200 annual (where applicable).

An account holder earns One (1) entry for every $25 increase in the monthly balance of the Qualifying Save To Win account at month’s end (month over month balance increase). Max of 100 entries per month. Max 300 per quarter. Max 1200 per year (where applicable). Example = Starting Balance of $0, +$200 in Savings = $200 Month 1 Ending Balance that equals 8 Entries. Then, the next month, if you add +$1,500 in Savings = $1,700 Month 2 Ending Balance that equals 60 Entries. Then, the next month, if you add +$3,000 in Savings = $4,700 Month 3 Ending Balance that equals 100 Entries; which equals 168 Entries in the Quarterly Drawing.

Save to Win entries are calculated based on month-over-month balance increases. A withdrawal from your account could affect whether you had a balance increase for a particular month. If due to your withdrawal you do not have a balance increase compared to the prior month, you will not get entries for that particular Drawing Period.

National and state-wide drawings are held around the 14th of each month and quarterly drawings in January, April, July and October. Some credit unions and states offer annual or monthly prize drawings (refer to your credit union’s Official Rules for details). FRFCU is offering monthly prize drawings with 3 winners total per month; one $25 winner, one $75 winner, and one $100 winner per month.

Winners will be notified by their credit unions via telephone, email or standard U.S.P.S. mail. Prizes are nontransferrable. Winners need not be present at the drawing to win.

You are limited to one Qualifying Save to Win Account at each participating credit union. Additional account terms vary by each credit union. Please refer to your credit union’s account disclosures for account details, any account limitations and/or applicable fees.

In order to be eligible for the current Drawing Period, your account must be open through the Drawing Period. A Drawing Period shall be defined as the last day of each month for any applicable monthly drawings, the last day of each quarter for any applicable quarterly drawings and the last day of each calendar year for any applicable annual drawings.

Account requirements and eligibility vary by state and credit union. Please refer to your credit union’s official rules and account disclosures for specific details and requirements.

You may open a Save To Win account for a child based upon individual credit union account requirements; however, the child may not be eligible to win the prize. The Raffle is open to all natural persons who, at the time of entry (a) are Credit Union members, (b) at least 18 years of age, (c) are residents of a state in which Prize Linked Savings is permitted, and (d) who maintain a regular share account in good standing with the Credit Union (“Eligible Members”). Where permissible under applicable state law a Trust may also be considered an Eligible Member for purposes of the Raffle. To be eligible to win the prize, the winner must meet all eligibility requirements mentioned in the Official Rules. Please refer to your credit union’s Save To Win Official Rules for full details and program requirements.

Officers, directors and employees of the participating Credit Union are not eligible to participate in any member Raffles. However, each credit union may choose to offer an optional separate Credit Union Employee Raffle specifically designed for their officers, directors and employees of the Credit Union. The Official Rules for any Employee Raffle will be identical to the member Raffle, except that it will be limited to the officers, directors and employees of the participating Credit Union only and will be administered completely separate from any non-employee member Raffles. Some states may impose other eligibility requirements. Please refer to your credit union for details regarding any applicable Employee Raffles.

This may vary by each participating Credit Union. Each Credit Union can make their own determination whether to allow family members of officers, directors and employees of the participating Credit Union to participate in the member Raffle. Refer to your credit union’s Official Rules for details and eligibility requirements.

A Participating Member is limited to winning one Central prize per Drawing Period and is also limited to winning one Credit Union prize per Drawing Period, if applicable. A Participating Member may be eligible to win both a Central prize and a Credit Union prize in the same Drawing Period, at the discretion of each participating credit union. Please refer to the participating credit union’s official rules and account disclosures for details.

At the discretion of the credit union, the funds will be deposited into the members’ regular share savings account or their qualified Save to Win account. Please refer to the credit union’s Official Rules for details.

Winners that receive prizes totaling $600 or more each year are required to report earnings on their tax returns and may be required to pay applicable state and federal taxes. Credit unions will provide 1099 MISC forms to those winners in January for their previous year’s earnings.

Actual odds of winning are based upon the number of eligible entries received. For each eligible entry, the chance of winning monthly, quarterly or annual prizes is equal to that of all other entries in the raffle.

No. The Raffle is open to all natural persons who, at the time of entry (a) are Credit Union members, (b) at least 18 years of age, (c) are residents of a state in which Prize Linked Savings is permitted, and (d) who maintain a regular share account in good standing with the Credit Union (“Eligible Members”). Where permissible under applicable state law a Trust may also be considered an Eligible Member for purposes of the Raffle.