savings barelyscratchingthe surface?

Raffle open only to North Carolina residents. Void where prohibited by law.

© Copyright CU Solutions Group, 2013. All rights reserved. STW-NC-OR4

Official rules available at: www.savetowin.org

WHAT IS SAVE TO WIN?It’s a special savings account at your credit union that helps you build your savings while also giving you chances to win oneof three $10,000 grand prizes, plus monthly and quarterly cashprizes! In total, we will award $45,000 in cash prizes! Each $25deposit helps you build your savings and gets you another chanceto win – up to 10 chances every month. Plus, all the money youdeposit into the Save to Win account is still yours, plus interest.It’s a win-win situation.

HOW DO I OPEN AN ACCOUNT?Simply request a 12-month Save to Win share certificate andmake an opening deposit of $25. Your initial deposit is your firststep to saving and your first entry into the month’s cash drawingand the grand prize drawing. As you continue to make additionaldeposits into the account, you will accumulate more entries in themonthly and grand prize drawings. The Save to Win account mustbe open at the time of the drawings and you must be a resident ofNorth Carolina and at least 18 years of age to participate.

HOW CAN I EARN CHANCES TO WIN?Every $25 deposited into your account, up to $250 per month, isanother chance to win. You may make unlimited deposits of anyamount into the account each month, but prize entries are limitedto 10 per month.

WHAT ARE THE PRIZES?The real prize is the savings account you will build with regulardeposits each month. But to sweeten the pot, there are 3 grandprizes of $10,000 to be awarded next January. The winner will benotified by phone and mail. All Save to Win account holders atparticipating credit unions in North Carolina will be eligible for thegrand prizes. The grand prize will be deposited into the winner’straditional share account. Plus three quarterly prizes of $500,$1,000 and $1,500 will be awarded and $1,000 will be awardedeach month throughout the year.

WHAT IS A CERTIFICATE?A certificate is a certificate of deposit issued by a credit union. You will earn a specified dividend if the certificate is held for the full term; in the case of Save to Win, the term is 12 months.

WHAT’S THE DIVIDEND RATE?Please ask a Member Service Representative for the dividend onthe Save to Win Certificate.

CAN I WITHDRAW MONEY FROM MY CERTIFICATE?Yes, you are allowed to take one withdrawal from your Save to Winaccount in the 12-month period. A $25 withdrawal fee will apply.

HOW ARE MY PRIZE ENTRIESCALCULATED?Each month, we’ll look at your current savings balance ascompared to the previous month’s balance. You’ll receive one entryfor every $25 increase. For example, if your Save to Win balanceincreases by $50, you will receive two prize entries for the month.Those prize entries will also be added into the grand prize drawing,giving you additional chances to take home 1 of 3 prizes!

WHY SHOULD I OPEN A SAVE TO WIN ACCOUNT?Because it’s a win-win situation! Not everyone will win a prize, but with regular deposits into your Save to Win account all year, you are guaranteed to have more money saved than when you started.