Tag Archives: promotion

Bit of March Madness

This March, we want to help your pocketbook. Our Auto Loan rates go as low as 1.99% APR** all year round! We’re looking to help you cut your current rate, or reduce your payment by refinancing your non-HCFCU vehicle loan. Let us take a look at the numbers for you and provide you with the best personal solution.

All Auto Loans closed March 2, 2020 through March 31, 2020, are entered to win some cash in our March Madness bracket, plus the chance at a 65″ Smart TV.

We’ll select a Sweet Sixteen from the new loans closed to receive cash prizes of $10-$25, and then a Final Four selection to win a night out gift package which includes HCFCU branded items and a merchant gift card, plus $50-$100 in cash prizes! A single stand-alone Champion will take home a 65″ Smart LED TV with a year of HULU or Netflix for a chill night with bae to watch the final championship game.

All auto loans (refi^ or regular) must be closed by March 31st to be entered into the drawing for the TV. 

**APR is Annual Percentage Rate. ^Refinances within 90 days of origination may be ineligible subject to title availability. Rates are based on your credit history, loan term, collateral and down payment. Certain credit criteria apply. Other restrictions may apply. Rate discounts are given based on the credit score of 680+, shorter loan terms, down payments, and relationships. Rates are subject to change without notice. Talk to a loan officer for details.

All the fine details:

Drawing will occur and attempt to notify the winner(s) by April 2. Odds of winning a major or minor prize depend on the total number of entries received at the end of the contest period; entry is determined and qualified by review of account verifications, and any criteria required to enter listed above. Accounts must be in good standing at the time of the drawing. The contest begins and opens on 03/02 at 7:30 AM and closes at 5:00 PM on 03/31. No substitutions for the prize; the cash prizes are awarded via a deposit into a winner(s) share or share draft account with the credit union, and non-transferable. Not responsible for inactive or invalid contact information, bad emails, and or disconnected phone numbers when attempting to contact the winner(s). Television must be collected from the credit union.

Prizes:

(1) Grand prize winner will receive a 65″ Smart LED TV; (1a) first runner up winner will receive a $100 cash deposit; (2a) second runner up winner will receive a $75 cash deposit; (3a) third runner up winner will receive a $50 cash deposit; (10) minor prize winner(s) will receive a cash deposit of $25.

All prize winners will be selected on or before April 3, 2020, contacted via telephone and or email after that based on member profiles.


Federal, state, and local tax liability and any other expenses are the sole responsibility of the prize winner. Void where restricted and prohibited. The prize is non-transferable, non-assignable, and non-exchangeable. Standard account terms and conditions apply to all contestants. Winners who receive the prize assume responsibility upon acceptance. Winner(s) must sign a photo release. By accepting a prize, the winner(s) consent to have their name, pictures, likeness, and story published for publicity purposes without further compensation via HCFCU, through, but not limited to, photos, status updates, news stories, blog or website postings, and social media.

All entrants agree to release and hold HCFCU harmless from any and all claims of any kind arising directly and indirectly from the giveaway(s), a prize(s), or any publicity received from the promotion.

Hot Summer Auto Promo

Drive away happy with a low rate from HCFCU! 

Members who close their loans can receive an extra bonus based on their closing, but EVERY loan closed between May 1st through June 30th receives a .25% rate* discount AND is entered to win $200!

Refer a friend for an auto loan and when they close it gives you an instant $50!! See our page for the Rev Your Rewards program here.

All auto loan closings can receive a bonus gift with a choice between the following items based on HOW you close your loan:

  • eSign: an extra entry into the drawing or a $15 Google Play or Apple gift card**.
  • In Person: Digital tire gauge, utility tote, or an extra entry into the drawing.

Member Auto Center Hot Summer Sale May 24th – June 30th

Click to visit MAC Summer Auto Sale

Click for member auto center summer auto sale details here.

PLUS! Join us for some fun in the lobby on May 31, 2019, from 9 am – 1 pm. We’ll have our Prize wheel out with our popcorn machine and photobooth. Come take a spin to see what you will win! We will offer the following prizes, while supplies last: future auto loan rate discount, HCFCU utility tote, MEMBERstrong bag, tumbler, water bottle, Shell gas gift card, Popsocket, and more!

Promotional Disclosures:

All members must be in good standing at the time of the drawing, in order to be eligible for the drawing the member must have an open and current auto loan on file, created and funded between May 1, 2019, through June 30, 2019. Chances of winning the (1) Grand Prize of $200 depends on the total number of eligible entries from all members who opened & closed on their auto loan between May 1, 2019, through June 30, 2019, including members who opt-in to receive an additional entry. Lobby day prize wheel limits to 1 spin per member, with the right to deny due to non-verification of membership. Members are eligible for all available prizes while supplies last.

*The rate discount is applied to your qualifying rate. Qualifying rates are based on your credit history, loan term, collateral, and down payment. Certain credit criteria apply. Other restrictions may apply. Additional rate discounts are available based on a credit score of 680+, shorter loan terms, down payments, and relationships with the credit union. Rates are subject to change without notice. Talk to a loan officer for details on your qualifying rate.

** Apple & Google play gift cards will be delivered electronically to the email on file for the loan account. The gift card email can arrive within 7-10 business days after your closing or sooner. Not all auto loans qualify for eSign, ask your loan officer for details.

HCFCU does not refinance our existing loans.

Terms & Conditions Apply:
– No substitutions for the prize; the prize is awarded via a deposit into Shares or Share Draft account of the winning member, associated with select auto loan entry, no alternate gift cards available and non-transferable; not responsible for additional costs incurred over Shell Gas gift card amount. Not responsible for inactive or invalid contact information, bad emails, and or disconnected phone numbers on Membership accounts.
– (1) Grand prize winner will receive a $200 deposit; The winner will be selected on or before July 9, 2019; & will be notified via telephone and or email thereafter. Odds of winning major or minor prize depend on the total number of entries received at the end of the contest period; entry is determined and qualified by review of account verifications, enrollment verifications, and any criteria required to enter listed above. Accounts must be in good standing at the time of the drawing.
– Federal, state and local tax liability and any other expenses are the sole responsibility of the prize winner. Void where restricted and prohibited. The prize is non-transferable, non-assignable and non-exchangeable. Standard account terms and conditions apply to all contestants. Winners who receive the prize assume responsibility upon acceptance. Winner(s) must sign a photo release. By accepting a prize, the winner(s) consent to have their name, pictures, likeness, and story published for publicity purposes without further compensation via HCFCU, through, but not limited to, photos, status updates, news stories, blog or website postings, and social media.
– All entrants agree to release and hold HCFCU harmless from any and all claims of any kind arising directly and indirectly from the giveaway(s), a prize(s), or any publicity received from the promotion. Members must be 18 years or older and in good standing with the credit union to be considered eligible for any prize drawing.
– In accordance with U.S. tax law, HCFCU may be required to send to you and file with the IRS a form 1099-MISC or 1099-INT for the year in which a gift, reward or prize is issued to you more than $600 for the year. Federal, state and local tax liability and any other expenses are the sole responsibility of the prize winner in connection with the receipt or use of the prize. If taxpayers have questions about the information they receive on a Form 1099, they should follow up with the issuer or their tax professional to resolve any problems about valuation, timing or other issues regarding the income reported.