Enter for a chance to WIN $500 with your home equity loan!*
DREAM A LITTLE MORE! Whether your inspiration is a new kitchen, bathroom or entertaining space, Partners 1st FCU has the home equity loan to bring it to life. Maybe it is time to repair or replace, get started with a Partners 1st home improvement.
- Large projects become small Payments
- Variety of loan terms
- Rate lower than most credit cards
- Interest may be tax deductible*
- Borrow up to 133% of your home’s value*
- Secured & unsecured options*
* Promotion valid 3/1/2017 – 5/31/2017. Each home equity loan application will be considered an automatic entry. Manual entries are accepted; please visit www.partners1stcu.org for complete disclosure. One entry per household. Automatic entries require membership with Partners 1st FCU. Membership at Partners 1st requires a savings account with a minimum balance of $5. One winner will be drawn at random for one $500 prize after 5/31/2017. The winner will be contacted on or before 6/12/2017. Must be 18 years of age or older to win. Cash prizes may be considered income and may be reported on IRS form 1099-MISC. Home equity products include unsecured Home Improvement loans available up to $7500/10 year repayment period/maximum CLTV 133%; secured loans up to $100,000/15 year repayment period/maximum CLTV 133%. *The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Please consult a tax advisor for further information regarding the deductibility of interest and charges. Must be primary residence or secondary vacation home. Eligible property types: Single Family Detached, Townhouse, Condominium or Duplex. Work order and/or materials list required for Home Improvement loan. Annual percentage rate based on creditworthiness, loan type and loan term. Additional restrictions may apply. Standard underwriting guidelines apply.
Dream A Little More Promotion - Official Rules
NO PURCHASE, OBLIGATION OR TRANSACTION NECESSARY TO ENTER THE SWEEPSTAKES. A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.
Sponsor. Partners 1st Federal Credit Union, 1330 Directors Row, Fort Wayne, IN 46808 (Partners 1st , We, or Sponsor).
Sweepstakes periods. Dream A Little More consists of (1) one drawing to take place.
Promo Duration. Promo valid 3/1/17 though 5/31/17 and may be subject to change without notice.
How to enter. Each home equity application will count as one (1) automatic entry. In the event of joint owners, the primary member named on the account shall be deemed the entrant.
Alternate free method of entry. To enter the sweepstakes without making a transaction, hand print in ink on a standard 3 X 5 card, your full name, complete home address including zip code, birth date, email address and telephone number and mail it to: Partners 1st FCU, Dream A Little More, Attn: Marketing Dept, 1330 Directors Row, Fort Wayne, IN 46808. No copies, facsimiles or mechanical reproductions will be accepted. The card must be postmarked during a sweepstakes period and received by the winner selection date to be entered into the drawing for that period.
General conditions: Partners 1st is not responsible for, and will not accept, lost, late, incomplete, delayed, damaged, destroyed, deleted, erased, stolen or illegible entries. We will not verify receipt of entries for entrants. Once submitted, all entries become the property of Partners 1st and none will be returned. We assume no responsibility for any error, problem or malfunction which may occur in the creation, maintenance or processing of sweepstakes entries, or which prevents entries from being created. To obtain a list of winners, send a self-addressed, stamped envelope to: Partners 1st, Dream A Little More, Attn: Marketing Dept, 1330 Directors Row, Fort Wayne, IN 46808. Specify “winners list” in your request.
Eligibility. The promo is open to all Partners 1st members in good standing who are lawful, permanent residents of the U.S, 18 years of age or older and who are not considered a minor in their state of residence. Employees, Board Members, volunteers and their immediate family members and members of their households are not eligible to win.
Agreement to official rules. Participation in the promo constitutes entrant’s full and unconditional agreement to and acceptance of these official rules and the decisions of Partners 1st, which are final and binding in all matters relating to this promo.
Prizes. $500 will be awarded. The odds of winning depend on the number of eligible entries received during the applicable promo period.
Prize drawings. Potential winners will be selected in a random drawing by a Partners 1st FCU representative on or about each winner selection date from among all eligible entries received during the applicable period. Winners need not be present to win and will be notified via phone, email or other methods using the contact information on file. If any potential prize winner does not respond to prize notification attempts, is found to be ineligible, or has not complied with these official rules or declines the prize for any reason, such potential prize winner will be disqualified and an alternate winner may be selected.
Tax issues. Partners 1st will report all prize winnings as dividends earned on your savings account.
Publicity authorization. Acceptance of a prize constitutes winner’s permission for Partners 1st to use winner’s name, photograph, city/state and any comments for advertising and/or publicity purposes and in all forms of media now known or developed without further compensation.
General liability release. Entrants agree that officers, directors, and employees of Partners 1st and its affiliates shall not be responsible or liable for, and are hereby released from any and all costs, injuries, losses or damages of any kind, including without limitation, death and bodily injury, due in whole or in part, directly or indirectly, to participation in the sweepstakes or any sweepstakes related activity or from entrant’s acceptance, receipt, possession and/or use of misuse of the prize. We assume no responsibility for any damage to an entrant’s, or any other person’s, computer system which may be used in conjunction with this sweepstakes nor any computer system, phone line, hardware, software or program malfunctions or other errors, failures, delayed computer transmissions or network connections that are human or technical in nature. We are not responsible for incomplete, illegible, misdirected, misprinted, late, lost, damaged, stolen or postage due prize notifications; or lost, interrupted, inaccessible or unavailable networks, servers, satellites, internet service providers, websites, or other connections; or for miscommunications, failed, jumbled, scrambled, delayed or misdirected computer, telephone or cable transmissions; or for any technical malfunctions, failures, difficulties or other errors of any kind or nature; or for the incorrect or inaccurate capture of information, or the failure to capture any information. Sponsor reserves the right in its sole discretion to disqualify any individual who is found to be tampering with the entry process or the operation of the sweepstakes, to be acting in violation of these official rules, or to be acting in an unsportsmanlike or disruptive manner, or with the intent to disrupt or undermine the legitimate operation of the sw of the sweepstakes, or to annoy, abuse, threaten or harass any other person, and Sponsor reserves the right to seek damages and other remedies from any such person to the fullest extent permitted by law. No mechanically reproduced, illegible, incomplete, forged, software generated or other automated multiple entries will be accepted. We reserve the right to modify, extend, suspend or terminate the sweepstakes if we determine that it is technically impaired or corrupted or that fraud or technical problems, failures, or malfunctions or other causes beyond Sponsor’s control have destroyed or severely undermined or to any degree impaired the integrity, administration, security, proper play and/or feasibility of the sweepstakes. These official rules cannot be modified or amended in any way except in a written document issued in accordance with the law by a duly authorized representative of Partners 1st.