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Charge into a Debt Free Summer sweepstakes

Charge into a debt-free summer promotion. Enter for a chance to have your First Heritage Credit Card balance paid off
 
Summer is just around the corner and First Heritage wants to help you get ready! With our Charge into a Debt-Free Summer Sweepstakes, we will be rewarding one lucky winner by paying off their credit card balance up to $3,000.

Starting April 1st, each time you use your First Heritage credit card to make a purchase of $5.00 or more you will earn one entry into our grand prize drawing. 

The more times you use your card, the more entries you earn. Be sure to use your First Heritage credit card to earn more entries and increase your chances of winning.

The sweepstakes ends on June 30th and a winner will be drawn at random on or before July 14th, 2021.
 
Don't have a First Heritage VISA® Credit Card?
With a Visa card from First Heritage you will always enjoy a low rate!  Choose from our Visa Platinum card and earn rewards while enjoying 7.75% APR* or our VISA Classic with a low fixed rate of 13.25% APR*.  What’s even better? You can transfer your balance from another high interest card at a low introductory rate of 1.99% APR* for 12 months with no balance transfer fee.
 

 
OFFICIAL RULES

No purchase necessary to enter/win.  All entries have an equal chance of winning.  Odds of winning depend on the number of entries.

Eligibility: Open to all legal U.S. residents, who are at least eighteen (18) years old at the time of entry.  First Heritage Federal Credit Union employees, Board Members, Supervisory Committee Members, and their immediate family members are not eligible.  Subject to applicable federal, state, and local laws and regulations.  Winner must be in good standing with First Heritage Federal Credit Union to be eligible with no delinquencies on loans or negative balances on primary accounts.  Void where prohibited.  Participation constitutes entrant’s full and unconditional agreement to these Official Rules.  Sponsor’s decisions are final and binding in all matters in relation to the Sweepstakes.  Winning is contingent upon fulfilling all requirements set for herein.

Sponsor: First Heritage Federal Credit Union: 202 Denison Pkwy E, Corning, NY 14830

How to Enter:  If you are a new or existing member with a First Heritage Federal Credit Union credit card and use your credit card for purchases of at least $5.00 that post and settle to your account between April 1, 2021 and June 30, 2021, you will be automatically entered for the grand prize. Each transaction of $5.00 or more will earn you an entry into the drawing. A purchase is a point-of-sale transaction.  ATM transactions do not qualify. 

OPT OUT: If you do not wish to receive one automatic entry by making a purchase with a First Heritage credit card, you must email marketing@fhfcu.org, or mail us at Marketing Content/Do not Enter, First Heritage FCU, 202 Denison Pkwy E, Corning, NY 14830 and instruct us not to enter you.

MAIL IN METHOD: To enter without making a purchase with a First Heritage credit card, hand print your name, address, day and evening phone numbers, email address, and date of birth on a 3”x5” card and mail in in an envelope with proper postage to Marketing Contest, First Heritage Federal Credit Union, 202 Denison Pkwy E, Corning, NY 14830.  You will receive one entry into the grand prize drawing for each envelope you mail-in.  All mail-in entries must be handwritten and must be postmarked by June 30, 2021.

Grand Prize:  First Heritage will randomly select one grand prize winner from all entries received throughout the contest period.  One (1) grand prize winner will receive their First Heritage Credit Card balance paid up to a maximum of $3,000.  Federal, State, and Local Taxes and all other expense not specified herein are solely the winner’s responsibility.  First Heritage Federal Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules or who make any misrepresentations relative to the contest and/or redemption of the Grand Prize.  All decisions are final and binding. First Heritage shall not be responsible or liable for late, lost misdirected or unsuccessful efforts to notify winner.  Winner must claim prize within 30 days of drawing.

Winner Selection:  Drawing will be held on or before July 14th, 2021.  Winners need not be present at drawing to win; winners will be contacted via phone, email, or mail within five (5) business days of the drawing date.  Winners must contact First heritage Federal Credit Union, sign a publicity release, and provide/have a photo taken within (5) business days of being notified by First Heritage Federal Credit Union about winning the contest, or forfeit their winnings and a new winner will be drawn.  Photos of winners’ names (first name) can be posted to social media or used in other marketing purposes following the delivery of the winnings.

No transfer, assignment, or substitution of prizes (or portion thereof) is permitted.  Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize becomes unavailable for any reason.  First Heritage Federal Credit Union has the right, in its sole discretion, to cancel or discontinue this contest at any time for any reason.  The name of the winner can be obtained by sending a self-addressed, stamped envelope to: Marketing Contest, First Heritage Federal Credit Union, 202 Denison Pkwy E, Corning, NY 14830.

Limitations of Liability:  First Heritage Federal Credit Union is not responsible for: (1) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Sweepstakes; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Sweepstakes; (4) technical or human intervention error which may occur in the administration of the Sweepstakes or the processing of entries; (5) late, lost, undeliverable, damaged or stolen mail; or (6) any injury or damage to persons property which may be caused directly or indirectly, in whole or in part, from the entrant’s participation in the Sweepstakes or receipt or use or misuses of any prize.  If for any reason an entrant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Sweepstakes, if it is possible.  No more than the stated number of prizes will be awarded.  In the event that production, technical, seeding, programming or any other reason cause more than the stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims.

Insured by NCUA.

*Members will earn one entry for each purchase they make during the promotional period 04/01/21–06/30/21. Winner will receive their First Heritage VISA credit card balance paid off up to $3,000. APR = Annual Percentage Rate. Balance transfer rate of 1.99% effective for 12 months. Rate will revert to a variable APR of prime +4.50% APR for VISA Platinum and 13.25% APR for VISA Classic once the promotional period has ended. Current APR for purchases and cash advances is prime +4.50% APR for VISA Platinum and 13.25% APR for VISA Classic. Rates are as of 02/01/21. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The foreign transaction fee is 1% of the transaction amount. Limit: two balance transfers per 12-month period. New money only.