$100 Bonus for New Credit Cards for: Crystal Visa, Select Visa & Visa Platinum: A $100 (one hundred dollars) bonus will be paid in the form of “Visa Statement Credit” when at least $5,000.00 (five thousand dollars) is spent in purchases within the first 3 months (qualifying period) of the “New” Visa card opening. Bonuses will be paid out within 90 days after the qualification period. Example: If a card is activated on January 1, 2021 and the total of qualifying purchases for the months of January, February and March is at least $5,000, the primary borrower will receive a Bonus of $100 (one hundred dollars) no later than July 1, 2021.  Limit of one reward/bonus per member number. Qualifying transactions must “post” to the designated account during the qualified period. All qualifying purchases will count towards the $5,000 in spent purchases unless return for credit of any of the qualifying transactions takes place within 90 days of the end of the qualifying period. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer is valid only for individual account /card holders, is non-transferable and cannot be combined with any other offer. The $100 Bonus is a product promotion sponsored by FIGFCU and may be discontinued at any time.  Visa is a registered trademark.

Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Visa Platinum ® Credit Card account holders. This incentive offer, is not available to those members who are opening a new Platinum Visa® and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Visa® Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion.

Select Visa® Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Visa® Select Credit Card account holders. This incentive offer, is not available to those members who are opening a new Select Visa and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Select Visa® Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion. For full disclosures visit, figfcu.org/select-visa.

*Blue Visa is a Share Secured Credit Card requiring deposited funds to be placed on hold with the Credit Union. Your Account is secured by the designated shares you have in a share account, be it an individual or joint account.
These pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your Credit Card Account until the Credit Union agrees to release all or part of the pledged amount.

+APR = annual percentage rate. Rates include discounts for Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at anytime.

**The balance transfer amount from other Farmers Insurance Federal Credit Union credit cards will retain its current rate (i.e., Visa Select at 8.99%, Visa Platinum at 10.99%, until the transferred balance is paid off. APR=Annual Percentage
Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.
The newly opened Credit Union credit card’s rate will only apply to new transactions. Any balances on the previous Credit Union credit card must be paid off at the prior credit card’s rate.

Crystal Visa® Zero Percent (0%) Introductory Rate Promotion is offered for new FIGFCU Crystal Visa® account holders. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of
credit balances and credit card account balances to take advantage of the introductory rate promotion. For full disclosures, visit figfcu.org/crystal-visa.

Farmers Insurance Federal Credit Union (Sponsor) SWIPE TO WIN

October 1, 2023 to January 31, 2024

(Official Rules)

NO PURCHASE NECESSARY TO ENTER OR WIN. ENTRY IN THIS CONTEST DRAWING CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES.

1. Eligibility: To be eligible to enter, you must: (a) be (18) years or older at the time of entry, (b) a member of Farmers Insurance Federal Credit Union (FIFCU) in good  standing, (c) be a FIFCU Credit Card account owner. Void in Puerto Rico, U.S. territories, U.S. military installations located in foreign countries, and where prohibited by law. Employees and representatives of Farmers Insurance Federal Credit Union (FIGFCU), subsidiaries, advertising and promotional agencies, any prize provider, and any entity involved in the development, production, implementation, fulfillment or administration of the 2023 Swipe To Win” and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time.

2. How to Enter: There are two (2) ways to enter: a. Use an FIFCU Credit Card for eligible purchases / swipes. Selection of submission at Sponsor discretion. Entries will not be acknowledged.  b. Alternatively participants can also enter by mailing in a 3 X 5 card with name, member number, address, phone number, game name and date they are participating in, placing the card in a sealed envelope addressed to FIGFCU, 2255 North Ontario Street Ste. 320, Burbank, CA 91504, Attn: Swipe to Win SWEEPTAKES 2023. There can only be one card per envelope). FIFCU is not responsible for late, lost, stolen, misdirected, mutilated or postage due mail. Illegible/incomplete or machine generated entries will be disqualified. If the applicant needs accommodations with regard to the mailed entry, please contact FIFCU’s Card Services at (800)877-2345, and the Credit Union will make appropriate accommodations for the applicant.The eligible credit card purchases/ swipes and the receipt of mailed cards must occur between October 1, 2023 and January 31, 2024.

3. Conduct: By entering the Sweepstakes, entrants agree to comply with and be bound by these Official Rules. Failure to comply with these Official Rules will result in disqualification from the Drawing. Entrants further agree to comply with and be bound by decisions of Sponsor which shall be final in all respects. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be violating the terms of service, conditions of use and/or general rules or guidelines of any Sponsor property or service.

4. Prizes: Four winners will be chosen randomly by chance from qualified purchases/ transactions, and mailed entries at random. (Mailed entries will be converted to an electric format by the Credit Union so that they will have the same chance to be picked as be selected from same pool of entries as all other entries.) Prizes will be awarded on or before February 28, 2023 with prize money to be posted as statement credit to the account of the FIFCU credit card account owner on or before March 30, 2024 statement cycle into the winners FIFCU Credit Card Account. No substitutions or substitute redemptions will be made. Expenses not specifically stated above, together with the reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winners. Restrictions, conditions, and limitations apply. Sponsor will not replace any lost or stolen prize items. Sponsor will pay for delivery within the UNITED STATES. Each card transaction/ swipe of a FIFCU Credit Card between October 1, 2023 and January 31, 2024 is an entry to sweepstakes.  There is no limit to number of entries per person. Winners will be randomly picked for the following prizes on the following dates: $1,000 sweepstakes winner October, 31, 2023; $1,000 sweepstakes winner November, 30, 2023; $1,000 sweepstakes winner December, 29, 2023, $2,000 sweepstakes grand prize winner January 31, 2024. Prizes to be awarded as a statement credit.

5. Winner Selection and Notification: Odds of winning will be determined by the total number of eligible entries received/submitted. It is estimated that the odds of winning each prize is 1 in 91,771.  Each prize winners will be required to sign and return an Affidavit of Eligibility before credit is given. If any prize winner does not signed and return an Affidavit of Eligibility so that it is received by the Credit Union within twenty (20) days of its being sent by Federal Express (or if the winner has signed up for eNotices by email),  another winner will be randomly selected.

6. Winners List: The names of the prize winners may be obtained after February 28, 2024 by sending a self-addressed stamped envelope to: FIFCU, 2255 North Ontario Street Ste. 320, Burbank, CA 91504, Attn: Swipe to Win Contest 2023.

Sponsor: Farmers Insurance Group Federal Credit Union, 2255 North Ontario Street Ste. 320, Burbank, CA 91504. Phone number: 800.877.2345 is the operator of this Contest and is solely responsible for the fulfillment of all prizes.