SAVE TO WIN™ AT SPC

Save to Win is a special savings product that offers SPC Credit Union Members an opportunity to win cash prizes — just for saving! This program offers a fun, innovative and exciting way to save, which empowers YOU to achieve financial success. For every $25 you save in a Save To Win account, you earn an entry into the monthly, quarterly and/or annual drawings. 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 to SPC Credit Union for full details.

A Qualifying Save To Win Account at SPC Credit Union is a share savings account. Rates and other terms and conditions of a Qualifying Account may be found in our account disclosure by clicking here. Please refer to this document for any account details, account limitations and/or applicable fees.

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. Eligible winners will be notified by SPC Credit Union via phone, email and/or mail. Please refer to our account disclosures and Official Rules (below) 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 SPC Credit Union. Already a Member? Click the button towards the top of the page to open an account today, or visit us in Hartsville, Darlington, Florence, Cheraw, & Bennettsville. Eligibility requirements and Official Rules apply. Ask an SPC team member for details.

You can pick them up at any of our branches in Hartsville, Darlington, Florence, Cheraw, or Bennettsville; or download a PDF version by clicking here.

Save to Win account holders earn 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 SPC Credit Union 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 SPC 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 1,200 annual (where applicable).

Save to Win account-holders earn 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 1,200 per year (where applicable). See below for table with sample calculation.

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 an balance increase compared to the prior month, you will not get entries for that particular drawing period.

National drawings are held around the 14th of each month and quarterly drawings in January, April, July and October. SPC Credit Union’s monthly prize drawings are held by the 15th of each month.

Winners will be notified by SPC Credit Union via telephone, email or standard U.S.P.S. mail. Prizes are non-transferrable. Winners do not need to be present at the drawing to win.

You are limited to one qualifying Save to Win Account at SPC Credit Union. Please refer to SPC Credit Union’s account disclosures (linked below) 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 is 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.

In order to open a Save to Win account at SPC, you must be over the age of 18 and meet additional Membership requirements. Click here for details on Membership eligibility.

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 SPC Credit Union’s Save To Win Official Rules (linked below) 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 SPC Credit Union and will be administered completely separate from any non-employee Member Raffles. Some states may impose other eligibility requirements. Please refer to an SPC Credit Union Member Representative for details regarding any applicable Employee Raffles.

SPC Credit Union does not prevent family members of Officers, Directors, and employees of SPC Credit Union to participate in the Member Raffle. Refer to SPC Credit Union’s Official Rules (linked below) 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 an SPC Credit Union prize in the same drawing period, at the discretion of SPC Credit Union. Please refer to SPC Credit Union’s official rules and account disclosures (linked below) for details.

At the discretion of SPC Credit Union, the funds will be deposited into the Members’ regular share savings account or their qualified Save to Win account, based on the Member's preference. Please refer to SPC Credit Union’s Official Rules (linked below) 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. SPC Credit Union 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.