NMLS ID 718926 - Equal Housing Opportunity. Membership eligibility is required.
1: NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE THE CHANCES OF WINNING. 1. Eligibility: The “Sweepstakes” is open to those who are 18 years of age as of the date of entry. Employees of Prime Financial Credit Union (PFCU), their respective affiliates, advertising and promotion agencies, suppliers, and their immediate family members and/or those living in the same household of each are not eligible to participate in the Sweepstakes. The Sweepstakes is subject to all applicable federal, state and local laws and regulations. Void where prohibited. 2. Agreement to Rules: By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of the Sponsor, as final and binding as it relates to the content. The Sweepstakes is subject to all applicable federal, state and local laws. 3. Sweepstakes Period: Entries will be accepted April 18, 2024 - August 31, 2024 4. How to Enter: Any member who closes a home loan/mortgage with PFCU is automatically entered. Entries can also be submitted by visiting
Prime Financial Credit Union’s website. Entries that are not complete may be disqualified at the sole discretion of PFCU. You may enter only once and you must fill in the information requested. You may not enter more times than indicated by using multiple identities in an attempt to circumvent the rules. 5. Prizes: Enter to win a $1,000 The Home Depot Gift Card. No cash or other prize substitution permitted. The prize is nontransferable. Acceptance of prize constitutes permission by the winner for PFCU to use winner's name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law. 6. Odds: The odds of winning depend on the number of eligible entries received. 7. Winner selection and notification: Winners of the Sweepstakes will be selected in a random drawing under the supervision of PFCU. Winners will be notified via email or via phone to the email address/phone they entered the Sweepstakes within five (5) days following the winner selection. PFCU shall have no liability for a winner's failure to receive notices due to winners' spam, junk e-mail, inactive voicemail or other security settings or for winner’s provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 5 days from the time award notification was sent, or fails to return completed and executed declaration and releases as required in a timely manner, the prize may be forfeited and an alternate winner selected. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT PFCU'S SOLE DISCRETION) WILL RESULT IN SUCH WINNER'S DISQUALIFICATION AS WINNER OF THE SWEEPSTAKES AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED. 8. Rights Granted by you: By entering this content you understand that PFCU, anyone acting on behalf of PFCU, or its respective licensees, successors and assigns, will have the right, where permitted by law, without any further notice, review or consent, to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner's name, portrait, picture, voice, likeness, image or statements about the Sweepstakes, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation. 9. Terms: PFCU reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes should (in its sole discretion) non-authorized human intervention, fraud, or other causes beyond its control corrupt or affect the administration, security, fairness, or proper conduct of the Sweepstakes. In such case, PFCU may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by the PFCU. PFCU reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Sweepstakes or website or violates these Terms & Conditions. 10. Association: Prime Financial Credit Union has no association with Home Depot or it’s affiliates.
2: No closing cost for Home Equity Line of Credit (HELOC) with a Loan to Value (LTV) less than 80%. HELOC rate is equal to prime rate + 0.00% Annual Percentage Rate (APR) with credit score greater than 740. Line of credit rate is adjustable, may change monthly, and will not exceed 11.25% APR. Minimum payment is 1% of the balance or $25.00, whichever is greater. All rates are subject to credit qualification, other rates and terms may apply. Owner-occupied primary residence only. Homeowner’s insurance required. Offer may be discontinued at any time and without prior notice. Promotional offer cannot be combined with any other offer.
3: First-time homebuyer is defined as not having owned a home in the last three (3) years. This closing cost special includes an appraisal fee, credit report fee, flood certification, title-lenders title policy, title-settlement fee, recording fees, origination fee, 4506T transcripts, document preparation fee, tax service fee, title and E-Recording fee. Fixed Stated Rates reflect loans up to 80% Loan to Value (LTV); other rates apply for LTVs above 80%. Owner-occupied primary residence only. Homeowner’s insurance required. All rates and terms are subject to credit qualification, other rates and terms may apply. A Prime Financial Credit Union checking account is required to receive any closing incentive for first-time buyers. Offer may be discontinued at any time and without prior notice. Promotional offer cannot be combined with any other offer. Other terms and conditions may apply.
