Youth Month

National Credit Union Month

Parents have the important role of teaching their children life skills that will enable them to thrive as adults. One important skill is to learn how to manage money well. Practicing this skill early will help children through the inevitable financial ups and downs common in adulthood.

Opening a savings account for your children gives them a great opportunity to begin their training. In addition to developing the habit of saving money regularly, your child will learn how to differentiate between "needs" and "wants," control their spending, and how to plan for their future.

National Credit Union Youth Month is a great opportunity to start teaching them good financial skills. Every April, credit unions across the country focus on educating youth about financial health. This year's theme, "Unleash the Power of Saving at a Credit Union™," encourages kids to take care of their "pet" savings account and watch how powerful it can be. A strong and healthy savings account can provide security (and a lot of fun!) for their future.

Please join us to celebrate Youth Month this April and help your child "unleash" the power of saving!

*Referral cards can be picked up from any of our branches. Must use provided referral card. Must be an existing member to refer a new youth member. Referring member must have established membership prior to April 1, 2023. Referred youth must qualify for membership. A new youth member is considered anyone 18 years of age or younger who establishes new membership with Hawaii Community Federal Credit Union. Parents, legal guardians or an adult may be required to hold joint membership with the youth member. Reward of $5 will be deposited into the appropriate accounts no later than May 31, 2023. Due to privacy policies we cannot release any referral information. Referral promotion only valid for youth accounts opened between April 1 and April 30, 2023. Prizes while supplies last. NO PURCHASE NECESSARY. Visit www.hicommfcu.com for official contest rules and details on how to submit alternative entry into the contest. One entry, per member, per day from April 1-30, 2023. Must be 18 years of age or under and make a minimum deposit of $5 to establish a Youth Share Account and provide full legal or under and make a minimum deposit of $5 to establish a Youth Share Account and provide full legal name, date of birth, social security number and other personal information. Radio Flyer, Little Tikes, Fujifilm and Bose are all registered trademarks and not participating in or sponsoring this promotion.

 

Contest Rules & Regulations

Administration
This Contest is administered by Hawaii Community Federal Credit Union (the "Contest Sponsor"). All decisions of the Contest Sponsor are final and binding in all matters as they relate to this Contest.

General Conditions
The Contest Sponsor extends absolutely no representations or warranties in respect of any prizes and accepts no liability arising in respect of such prizes. No purchase or payment is necessary to enter or win. Prizes must be accepted as awarded with no substitutions. Prizes are non-transferable and not redeemable for cash. The winner is responsible for all taxes. One entry, per member, per day from April 1 - 30, 2023.

The Contest Sponsor reserves the right to modify the Contest Rules without materially affecting the terms and conditions of the Contest. Subject to all applicable federal, state and municipal laws and regulations, these Contest Rules govern all aspects of the Contest and are binding on all participants.

Eligibility
Maximum of one entry per member, per day, will be accepted during the Contest Period. The Contest is open to residents of the Island of Hawaii who are 18 and under. This contest is valid only in Hawaii and is void in all other jurisdictions.

The Contest is not open to employees and representatives of the Contest Sponsor, including its sponsors, advertising and promotional agencies and members of the immediate families of such employees or representatives and persons with whom such employees and representatives are domiciled. For the purpose of this Contest, "immediate family" is defined as parent, sibling, child or any person residing in the same household as, or domiciled with, any such employees or representatives.

How to Enter
Hawaii Community Federal Credit Union's Youth Challenge drawing is open to all youth 18 and under who visit any HCFCU branch during regular business hours April 1-30, 2023. While youth are encouraged to make a deposit at HCFCU, no deposit is required.

Alternatively, eligible individuals can enter the contest by mailing a postcard with your name, age, address, and phone number to:

Hawaii Community Federal Credit Union
Attn: Marketing/Youth Challenge
73-5611 Olowalu St.
Kailua-Kona, HI 96740

Mail-in entries must be postmarked no later than April 30, 2023 and received no later than May 8, 2023. Proof of mailing does not constitute proof of delivery. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries by mail.

Winning Entry Determination
No later than May 12, 2023 HCFCU will randomly select and award a prize to the first entry drawn in each of the following age groups, ages 0-3, 4-6, 7-12, and 13-18.

Winner notification / selection
The winner maybe announced on www.hicommfcu.com and will be contacted personally by the Contest Sponsor via phone and/or email. The winner may also be announced in newsletter, press release, digital and social media formats. Before being declared a winner, the selected entrant may be required to show proper photo identification. Any selected entrant who cannot be contacted (or who fails to respond to any telephone message or email left for such selected entrant), or who refuses (or whose parent or legal guardian refuses) to sign the declaration and release form described below within 10 business days of the Contest Sponsor's first attempt to contact such selected entrant may, at the sole discretion of the Contest Sponsor reserves the right, in such event, in its sole discretion, to determine one or more additional entrants whom they shall attempt to contact, and who shall be subject to disqualification, in the same manner.

Before being awarded a prize, the winner and his or her parent or legal guardian will be required to sign a declaration and release form stating that he/she has read, understood and complied with the Contest Rules, grants all consents required as contemplated in these Contest Rules, authorizes the Contest Sponsor to broadcast, publish and disseminate the winner's name, age and photograph, in connection with any promotion or publicity, and/or for general news and information purposes at no compensation to the winner, accepts the prize as offered and releases the Contest Sponsor from any and all liability of any kind arising out of the winner's participation in this Contest and receipt and use of the prize.

Odds of Winning
The odds of winning a prize depends on the number of eligible entries received for the applicable age group. For example, if 1,000 entries are received, the odds of winning a prize are 1/1,000 for an entrant in the age group. No purchase or payment is required.

Prizes
The first entry drawn in the age 0-3 category wins: Radio Flyer 3-in-1 EZ Folding, Outdoor Collapsible Wagon.
The first entry drawn in the age 4-6 category wins: Little Tikes Cape Cottage Playhouse.
The first entry drawn in the age 7-12 category wins: Fujifilm Instax Mini 11 Instant Camera Bundle.
The first entry drawn in the age 13-18 category wins: Bose SoundLink Flex Bluetooth Speaker.

Parental consent is needed for child(ren) under the age of 18 to claim prizes.