Summer Sweepstakes Rules
Consumer Disclosure


*Annual Percentage Rate. Subject to credit approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.

CONTEST DESCRIPTION: Close on any eligible consumer new auto loan or auto re-finance loan and be automatically entered into a drawing for a chance to win $5,000. 

ELIGIBILITY: To enter the Contest, you must be a lawful permanent resident of the United States and be 18 years or older. Void in Puerto Rico and where prohibited. Employees of Skyward Credit Union and immediate families and members of their households, volunteers and members of their households, are ineligible to participate. Qualified entrants are eligible to win only once during the contest period. Note that by entering this Sweepstakes, you are agreeing to be bound by these Official Rules and the decisions of the Sponsor which shall be final and binding on all matters relating to the Sweepstakes. 

TO ENTER: There are two ways to enter the Sweepstakes: receive 100 entries into the Sweepstakes by applying and being approved for an auto loan or auto re-finance loan from Skyward Credit Union during the Sweepstakes Period or receive one (1) entry without loan approval by entering through the U.S. Mail as described below. 

   a. Approved Auto Loan/Refinance method of entry: You will automatically receive 100 entries when you are approved for an auto loan or auto refinance loan from Skyward Credit Union during the Sweepstakes Period. 

    b. To Enter Without an Approved Auto Loan/Refinance: To enter without being approved for an auto loan or refinance loan from Skyward Credit Union during the Sweepstakes Period by U.S. Mail: Hand-print “Auto Loan Sweepstakes, your name, address, city, state, ZIP code, and daytime and evening telephone numbers (including area code) on a 3”x 5” card, and mail in a #10 envelope with sufficient postage affixed, to : Skyward Credit Union – Attn Marketing, 275 S Greenwich, Wichita, KS 67207. Mail-in entries must be postmarked by 8/15/2021 and received by 8/18/2021 in order to be eligible. Entries that are illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of Skyward Credit Union and will not be acknowledged or returned. Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at Skyward Credit Union’s sole discretion. Proof of mailing does not constitute proof of delivery. There is a limit of one mail-in entry per person during the sweepstakes period.

DRAWING AND NOTIFICATION: There will be 3 drawings during the contest period. The drawings will be held after the close of business on or about the following dates: 6/15/2021, 7/15/2021, and 9/1/2021. In the drawing, the winner will be randomly selected from eligible entries. Odds of winning a prize depend on the number of eligible entries received. Winners will be notified by phone. If a potential winner cannot be reached within three (3) business days from first notification attempt, then such person shall be disqualified, and an alternate winner will be chosen randomly from the eligible pool. All prizes will be awarded. If any notification attempt or prize delivery fails or is returned for any reason, such potential winner may forfeit the prize. 

PRIZES: Three (3) $5,000 prizes will be awarded for each person of the Summer Sweepstakes drawing held on or about the following dates: 6/15/2021, 7/15/2021, and 9/1/2021. A total of three (3) winners in all. All prizes are subject to change throughout the Auto Loan Sweepstakes Period. Prizes are not transferable. Prizes may not be substituted. 

PRIZE CONDITIONS: All federal, state or other tax liabilities (including income taxes) arising from this drawing will be the sole responsibility of the winner. Each winner must provide the Credit Union with valid identification before any prize will be awarded. Except where prohibited by law, the winner’s entry and acceptance of the prize constitutes permission for the Contest entitles to use said winner’s name, photograph, likeness, statements, biographical information and voice, in all forms of media without further compensation. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, we may not credit the sweepstake winnings to, we may freeze the sweepstake winnings to, or we may take away the sweepstake winnings from your account. 

CONTEST CONDITIONS: This Contest is subject to all applicable federal, state and local laws. By participating entrants agree to be bound by these Official Rules and the decision of the sponsor and waive any right to claim ambiguity in the Contest or these Official Rules. Sponsor may prohibit an entrant from participating in the Contest or winning a prize if, at its sole discretion, it determines that said entrant is attempting to undermine the legitimate operation of the Contest by cheating, deception or unfair playing practices or intending to annoy, abuse, threaten or harass any other entrants or sponsor representatives. If for any reason this Contest is not capable of running as planned, including, but not limited to, tampering, unauthorized intervention, fraud or any other causes beyond the reasonable control of the sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of the promotion, then the sponsor reserves the right at its sole discretion to discontinue the Auto Loan Sweepstakes. Any person attempting to defraud or in any way tamper with the Contest will be ineligible for prizes and may be prosecuted to the full extent of the law. 

LIMITATIONS OF LIABILITY: Winner and entrants agree to release, discharge, indemnify and hold harmless the Contest Entities and each of their respective officers, directors, employees, representatives and agents from and against any claims made by the winner, entrants or any other third parties related in any way to the operation of this Contest, as well as any other claims, damages or liability due to any injuries, damages or losses (whether alleged, threatened, or actual) to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from acceptance possession, misuse or use of any prize or participation in any Contest-related activity or participation in this Contest. 

RULES / WINNER INFORMATION: To receive winner information or an additional copy of these Official Rules, send a self-addressed, stamped envelope to: Skyward Credit Union Auto Loan Sweepstakes, PO Box 771069, Wichita, KS 67277-1069. Please specify “Rules” or “Winner Info”. Winner information will be available after 09/01/2021. 

SPONSOR: Skyward Credit Union, PO Box 771069, Wichita, KS 67277-1069. 

CONTEST ADMINISTRATOR: Skyward Credit Union, PO Box 771069, Wichita, KS 67277-1069.