Q. What is Save to Win?

A. It’s a special certificate at Liberty FCU that helps you build your savings while also giving you chances to win $5,000 quarterly prizes, plus monthly cash prizes! Every time you save $25 in a Save to Win certificate, you get another chance to win — up to 100 chances every month. Plus, all the money you deposit into the Save to Win account is still yours, plus dividends. It’s savings — with benefits!

Q. What is a Save to Win certificate?

A. A Save to Win certificate is a fixed-rate, fixed-term account 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.

Q. How do I open an account?

A. Simply request a 1-year Save to Win share certificate and make an opening deposit of $25. Your initial deposit is your first step to saving and is your first entry into the monthly and quarterly prize drawings. As you continue to make additional deposits into the account, you will accumulate more entries in the monthly and quarterly prize drawings. To participate, you must be at least 18 years or older, a legal resident of a prize-linked saving state and a member at a participating credit union.

Q. What are the prizes?

A. The real prize is the savings you will build with regular deposits into your certificate each month. But to sweeten the pot, thousands of monthly prizes and several quarterly prizes up to $5,000 will be awarded throughout the year. The winner will be notified by phone or mail. All Save to Win account holders at participating credit unions will be eligible for the prizes. Prizes will be deposited into the winners’ regular share accounts. Official account and prize entry rules and a complete list of prizes are available at www.savetowin.org.

Q. What’s the dividend rate?

A. The dividend rate on our Save to Win certificate is 4.79%, and the APY is 4.90%. For more information on Liberty FCU certificates and rates, visit our certificates page or ask a Member Service Representative.

Q. How can I earn chances to win?

A. Every $25 deposited into your account, up to $25,000 per month, is another chance to win. You may make deposits of any amount into the account each month, but prize entries are limited to 100 per month.

Q. Can I withdraw money from my certificate?

A. No, the certificate must be surrendered. A $50 early withdrawal penalty fee will apply.

Q. How are my prize entries calculated?

A. Each month, we’ll look at your current certificate balance as compared to the previous month’s balance. You’ll receive one entry for every $25 increase. For example, if your Save to Win balance increases by $50, you will receive two prize entries for the month. Those prize entries will also be added into the quarterly prize drawing, giving you additional chances to take home one of the $5,000 prizes!