Spend & Win $500 Sweepstakes

Farmers Insurance Federal Credit Union (Sponsor) Spend & Win $500 Sweepstakes
September 1, 2025 to December 31, 2025
(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 eighteen (18) years or older at the time of entry, (b) a Member of Farmers Insurance Federal Credit Union (FIGFCU) in good-standing, (c) be a FIGFCU Debit Card or 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 FIGFCU, subsidiaries, advertising, and promotional agencies, any prize provider, and any entity involved in the development, production, implementation, fulfillment, or administration of the 2025 “Spend & Win $500 Sweepstakes” and their immediate family members and persons living in the same household, are not eligible to participate or win. FIGFCU reserves the right to verify eligibility at any time.
 

2. How to Enter: There are two (2) ways to enter: 1. Use a FIGFCU Debit or Credit Card for eligible purchase transactions. Selection of submission at FIGFCU discretion. Entries will not be acknowledged.  2. 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, P.O. Box 2723, Torrance CA 90509, Attn: Spend & Win $500 Sweepstakes 2025. There can only be one card per envelope. FIGFCU 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 FIGFCU’s Card Services at (800) 877-2345, and the Credit Union will make appropriate accommodations for the applicant. The eligible Debit or Credit Card purchase transactions and the receipt of mailed cards must occur between 12:00 a.m. PT September 1, 2025 – 11:59 p.m. PT December 31, 2025. 

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 Sweepstakes. Entrants further agree to comply with and be bound by decisions of FIGFCU, which shall be final in all respects. FIGFCU 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 FIGFCU property or service.
 

4. Prizes: Four (4) winners will be chosen randomly by chance from qualified purchase 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 selected from the same pool of entries as all other entries.) Four (4) prizes; $500 each. One $500 prize awarded each month, September – December 2025 (ARV $500; Total ARV $2,000). Prizes will be awarded within 30 days after the Credit Union TIMELY receives from the winner, the winner’s signed Affidavit of Eligibility but no later than March 31, 2026. Prize money will be deposited into the Membership Savings account for Debit Card winners or will be posted as a statement credit to the account of the FIGFCU Credit Card account owner for Credit card winners on or before the March 2026 statement cycle into the winner’s FIGFCU 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. FIGFCU will not replace any lost or stolen prize items. FIGFCU will pay for delivery within the UNITED STATES. Each card purchase transaction of a FIGFCU Debit or Credit Card between September 1, 2025, and December 31, 2025, is an entry to the sweepstakes. There is no limit to the number of entries per person. Winners will be randomly picked for the following prizes by the following dates: $500 (five hundred dollars) sweepstakes winner by October 31, 2025; $500 (five hundred dollars) sweepstakes winner by November 30, 2025; $500 (five hundred dollars) sweepstakes winner by December 31, 2025; $500 (five hundred dollars) sweepstakes winner by January 31, 2026.  Prizes are to be awarded as a cash deposit into a Membership savings account or as a credit card statement credit. All prize values are expressed in U.S. dollars. Winners are solely responsible for any applicable federal, state, or local taxes associated with their prize(s). If the total value of prize(s) a winner receives from the Credit Union in a calendar year equals or exceeds $600, the Credit Union will issue an IRS Form 1099-MISC to the winner, and the winner must provide all information required for tax reporting purposes. Receipt of a prize may impact the winner’s tax obligations. Please consult a tax advisor for additional information.

5. Winner Selection and Notification: Odds of winning depend on the total number of eligible entries received/submitted. Winners will be selected in a random drawing from all eligible entries received during the promotional period. The Credit Union will notify each potential winner by using the contact information associated with the entrant’s account or entry, which may include email, phone, or postal mail. It is the entrant’s responsibility to ensure that their contact information is current and accurate. If a potential winner cannot be contacted within twenty (20) days of the first notification attempt, fails to respond, or is otherwise ineligible, the Credit Union may, at its sole discretion, award the prize to an alternate winner selected at random from the remaining eligible entries.
 

6. Signed Affidavit of Eligibility: Each prize winner will be required to sign and return an Affidavit of Eligibility before credit is given. If any prize winner does not sign and return the Credit Union’s Affidavit of Eligibility so that the Credit Union receives it within twenty (20) days of its being sent by Federal Express (or if the winner has signed up for eNotices by email) to the winner, another winner will be randomly selected.
 

6. Winners List: The names of the prize winners may be obtained after January 31, 2026, by sending a self-addressed stamped envelope to: FIGFCU, P.O. Box 2723, Torrance CA 90509, Attn: Spend & Win $500 Sweepstakes 2025.
 

Sponsor: Farmers Insurance Federal Credit Union, P.O. Box 2723, Torrance CA 90509. Phone number: 800.877.2345. FIGFCU is the operator of this Sweepstakes and is solely responsible for the fulfillment of all prizes.