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Save to Win

Save to Win     Save to Win.  The smartest way to save.

Save to Win Winners Clifford and Debbie Roether

What is Save to Win?

It’s a special savings account at the credit union that gives you all the benefits of a savings account —plus the chance to win big! Each $25 increase in the certificate balance earns you an entry into the monthly and quarterly drawings. The more you save, the more chances you earn — up to 100 drawing entries per month and up to 300 entries per quarter. Not only will you build your savings and earn interest/dividends, you can win multiple prizes throughout the year.

Save to win August winners

How do I open an account?

Simply request a 12-month Save to Win share certificate and make an opening deposit of $25. This initial deposit is your first step to saving, and your first entry into the monthly and quarterly prize drawings. To participate you must be at least 18 years old, a legal resident of a prize-linked saving state and a member in good standing of Emporia State Federal Credit Union with a regular share account.

What is a Share Certificate?

A share certificate is a fixed-rate, fixed-term account issued by Emporia State Federal Credit Union. You will earn a specified interest/dividend rate if the certificate is held for the full term; in the case of Save to Win, the term is 12 months.

What's the interest/dividend rate?

Please ask a member representative for the interest/dividend rate on the Save to Win share certificate.

Can I withdraw money from my Share Account?

Yes, you are allowed to take one withdrawal from your Save to Win account in the 12-month period. A $25 withdrawal fee will apply.

How can I earn chances to win?

Every $25 increase in the balance will earn you an entry in the monthly and quarterly drawings. You may make deposits of any amount into your account, but prize entries are limited to 100 per month and 300 per quarter. 

More CU drawing winners!

Save to Win November and April winners

What are the prizes?

The best prize is the savings account you will build with regular deposits each month. But to make saving even sweeter, thousands of monthly prizes and several quarterly prizes up to $5,000 will be awarded throughout the year. The winner will be notified by phone or mail. All Save to Win account holders at participating credit unions will be eligible for the prizes. Cash prizes will be deposited into the winners’ traditional share accounts. Official account and prize entry rules, and a complete list of prizes, are available at In addition, Emporia State Federal Credit Union will hold separate monthly prize drawings just for our participating members! (see official rules).

How are my prize entries calculated?

Each month, we’ll look at your current Save to Win savings balance as compared to the previous month’s balance. You’ll receive one entry for every $25 increase. For example, if your Save to Win balance increases by $50, you will receive two prize entries for the month. Those prize entries will also be added into the quarterly prize drawing, giving you additional chances to take home one of the $5,000 prizes!

Why open a Save to Win account?

Because you seriously have nothing to lose — and everything to win! Not everyone will win a prize, but with regular deposits into your Save to Win account all year, you are guaranteed to end up with more money than when you started.

Frequently Asked Questions

Q: What kind of account is the Save to Win account?

A: Save to Win is a prize-linked savings account that offers the chance to win prizes in addition to earning regular interest. It requires a small opening deposit of $25 and allows unlimited number of deposits during the 12-month share certificate term.

Q: How does the Save to Win account work?

A: The goal of the Save to Win account is to foster a regular habit of saving among account holders. The more one saves; the more opportunity one has to win.  For every $25 increase in the balance, an account holder earns one entry into the monthly and quarterly prize drawings. There is no minimum number of deposits required, but there is a maximum of 100 entries per month/300 entries per quarter per member.

Q: How can members sign up for a Save to Win account?

A: Account holders must be a member of a participating credit union. To search for participating credit unions near you, use the credit union finder at the top of the Save to Win web page ( and select the dropdown for your state and the county near you.

Q: What are the requirements to open an account and win prizes?

A:  In order to participate in the raffle and be eligible to win prizes, your account must be open through the drawing period and all participants must be at least of sufficient age to enter into a binding contract (18 in most states), a resident of a state in which the principal place of business of one or more participating credit unions is located and be a member with a regular share account (the account which qualifies the individual for membership), in good standing in the participating credit union. 

Q: Can a child open an account or be joint on the account?

A: No. The rules state that the account is available only to members age 18 or older. Children may not be primary or joint account holders on a Save to Win account.

Q: Are credit union board members, employees and/or their family members eligible to win prizes?

A: Credit union employees and board members are not eligible to receive central drawing prizes (this includes joint ownership). Employees can open accounts and participate if their credit union offers an optional credit union staff drawing.

Q: Can a member have more than one Save to Win account?

A:  No. A member is limited to one account per person. If a member opened an account at more than one particapting credit union, the account that was opened first will be the one that the member receives drawing entries for. Members of the same household can each have one Save to Win account each, as long as they meet other eligibility requirements.

Q: What is the minimum balance required to be kept in the Save to Win account?

A: There is a $25 minimum balance requirement to keep the account open.

Q: Is there a monthly service fee for the account?

A: No, there are no monthly service fees for this account.

Q: Does the account need to be kept open a certain amount of time?

A: Yes. The Save to Win account needs to be kept open for 12 months. There are penalties for early withdrawal, including account closure. 

Q: Can an account holder make any withdrawals during the 12-month term?

A: Yes. Account holders are permitted to make one withdrawal during the 12-month certificate term for a $25 fee and must leave at least $25 in the account to keep it open. If a second withdrawal occurs, the account will be closed. 

Q: Is there any other additional interest penalty on top of the $25 withdrawal fee?

A: No, unless your credit union chooses to implement a higher penalty, which would be noted in their Truth and Savings Discloser.

Q: Does the account need to be kept open for a certain amount of time before it’s eligible to win?

A: Accounts must be kept open through the drawing period in order for account holders to be eligible for prizes. For ex: the drawings are performed on the 14th day of each month for the previous month's transactions. In order to be eligible for the current drawing, your account must be open through the last day of the previous month.

Q: Can a Save to Win account be opened on a business or trust account?

A: No. Save to Win is only available for personal accounts.

Q: Can I open a Save to Win account online?

A: Each credit union may make this exception based on their current online account opening procedures. Contact your credit union to see if this is an option for their Save to Win account.

Q: What kinds of prizes does the account offer?

A: The Save to Win share certificate offers account holders the opportunity to win monthly and quarterly cash prizes from the central and or state-wide drawings. Go to for a complete list of prizes. Some credit unions also offer individual member drawings as well. Prizes vary by credit union (refer to your credit union’s Official Rules for details).

Q: Can a member win a central prize and a credit union prize in the same month?

A: A member is limited to winning one central prize and one credit union prize per prize period unless otherwise stipulated in your credit union’s Official Rules. An individual member can win multiple times and in consecutive months/quarters.

Q: How will prizes be awarded to members? How will winners be notified that they have won?

A: Prize winnings will be deposited into the member regular share account.  The member’s credit union will notify the winner within 14 days of month-end.

Q: How are prize entries calculated?

A: Members will receive one entry in the monthly drawing for every $25 increase in month over month balance, up to a maximum of 100 entries per month. Each monthly entry is also entered into the quarterly prize drawing, up to a maximum of 300 entries per quarter. 

Q: If a member deposits $100, then withdraws the money within a short period of time, do they still get four chances to win prizes?

A: No. The number of entries is based on the increase in a member’s month-over-month balance. If a member deposits $100 in a given month then withdraws that amount in the same month, the member will not receive any entries for that drawing period.

Q: If the member’s monthly balance increased by $49.83, will they receive one or two entries?

A: Since there is no rounding up, the member would only receive one entry for that month’s drawing.

Q: When Save to Win certificates mature do they automatically roll over for a new 12-moth term?

A: Yes, accounts should be set up by your credit tunion to automatically renew after 12 months.

Q: Can a member withdrawal all or a portion of their money from the certificate during the grace period and if so, will they be charged a withdrawal fee?

A: Members can withdrawal money from their Save to Win share certificate at maturity during their grace period without being assessed a penalty, as long as they leave at least $25 in the account to keep it open. Members also have the option to withdraw all of their money and close the account at this time without being assessed a penalty fee.

Q: If members take out money during their grace period, will they lose entries for the monthly or quarterly prize drawings?

A: If a member withdraws more money than they deposit at maturity or anytime during the 12 month term, they will not earn entries for that drawing period. Entries are only earned when the month-over-month balance increases.

Q: If a member closes their account and wants to open a new account later in the year, is there a waiting period?

A: Credit unions can include a 6-month waiting period for members to open a new account after closure of another (refer to your credit union’s Official Rules for details).

Q: What are the odds of a member winning a monthly or quarterly prize?

A: Actual odds of winning are based upon the number of eligible entries received. For each eligible entry the chance of winning monthly or quarterly prizes is equal to that of all other entries in the raffle. If a credit union chooses to perform an optional member drawing, each eligible entry has a chance at winning monthly/quarterly prizes that are equal to that of all other entries in the raffle.

Q: How can members increas their chances of winning?

A: The more deposits you make, the more entries you will earn toward the monthly and quarterly drawings.

Q: Where can I find the Official Rules?

A: You can pick them up at your credit union’s branch, download a PDF on the Save to Win web site ( or click on the link below.

Save to Win Truth In Savings Disclosure Document

Save to Win Official Account and Prize Entry Rules