You could have a chance to win up to $1000 with the help of your friends!


Reaching goals is always better with friends. This giving season, give your friends and family the gift of credit union membership by referring them to us!

Once your referral becomes a member, you both receive an entry to win one of our spectacular Visa Gift Cards!

Each friend that you refer and becomes a member counts as an entry. Refer unlimited friends? Earn infinite entries!

It’s a win-win because together, we create a brighter financial future for all.











“Give the Gift of Membership” is a promotional drawing from November 1, 2021, through December 16, 2021. Valid only for entries submitted by the date indicated on the promotion.




No purchase or payment of any kind is necessary to win. This Giveaway is open to legal residents of the United States, 18 years of age or older, and are members of Carolinas Telco FCU (CTFCU) in good standing. Void where prohibited or restricted by law. By entering the Giveaway, you acknowledge that you understand and will abide by these Official Giveaway Rules. Valid only for entries submitted by the date indicated on the promotion. By participating, you agree to be fully unconditionally bound by these Official Giveaway Rules. You represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of CTFCU, as final and binding as it relates to the contest. The odds of winning depend on the number of entries received.


Entrants can earn a chance to win by performing one of the following actions:


  1. Opening a new CTFCU membership
  2. Referring a qualified individual to CTFCU who opens a new prime share savings account to establish a new membership. The referral form must be received by CTFCU by Thursday, December 16, 2021, to qualify.
  3. Submitting an informational 3×5 card to CTFCU using the alternate method of entry (AMOE). No purchase necessary to win (alternate method of entry “AMOE”):  An entry may be submitted as a 3”x5” index card with entrant’s first and last name, phone number, email and mailing address. This card must be mailed to Carolinas Telco Federal Credit Union ATTN: Marketing Dept,  P.O. Box 668467 Charlotte, NC 28266-8467.  The card must be received by December 16, 2021 in order to be considered for the giveaway drawing. Limit one mail entry per household, must be at least 18 years of age or older. Void where prohibited.


Winner Selection and Notification: Winners will not need to be present to win. Winners of the Giveaway will be selected in a random drawing under the supervision of the Sponsor during the campaign. Winners will be notified via e-mail to the address using the information in their CTFCU account following the winner selection. If a telephone number is provided, one attempt will be made to make contact by phone in addition to e-mail. CTFCU shall have no liability for a winner’s failure to receive notices due to winners’ spam, junk e-mail, or other security settings or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 24 hours from the time award notification was attempted, the prize may be forfeited. The prize offered in the Giveaway is conditioned upon compliance by the winner with any and all federal and state laws and regulations.


Rights Granted by You: By participating in the Giveaway, the winner(s) of a prize agrees to have his/her name, voice, picture, or likeness used in any advertising or broadcasting material relating to the Giveaway.


Limitation of Liability: By participating in the Giveaway, each entrant agrees to release and hold harmless CTFCU, its officers, employees, volunteers, etc., from any and all claims or liability arising directly or indirectly from any prize or the Giveaway. Copies of the official Giveaway rules will be available on CTFCU’s website


Disputes: THIS GIVEAWAY IS GOVERNED BY THE LAWS OF NORTH CAROLINA WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in the Giveaway, the participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with the Giveaway, shall be resolved individually, without resort to any form of class action, or litigation. Further, in any such dispute, under no circumstances will participants be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorneys’ fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering the Giveaway), and participant further waives all rights to have damages multiplied or increased.


Privacy Policy: Information submitted with an entry is subject to the privacy notice stated on the CTFCU website. To read the privacy notice visit and search for “privacy notice”.


Member referral is defined as a new member that joins Carolinas Telco Federal Credit Union (CTFCU) and opens an account with a minimum $5 deposit.  A CTFCU member is considered in good standing when they meet the following: 1) No negative shares 10 days or longer, 2) No more than 10 days delinquent on any loan, 3) No unpaid charge-offs with CTFCU, 4) Not currently in bankruptcy. Existing primary members and joint owners opening a new membership do not qualify as a new member. Former members qualify as a new member if their previous account was closed at least six months prior to the date of reopen. A member may not engage in fraudulent activity to earn a referral bonus. Existing member and referred member must be at least 18 years or older. The first member to refer an eligible new member will receive the referral credit. Both the referring member and the new member receive an entry into the gift card drawing.  There is no maximum limit on qualifying referrals during the contest term.


Employees, officials, volunteers of the credit union, and their immediate family are not eligible to participate in this giveaway program. Participation in this giveaway program does not exclude participants from eligibility in the $25 Member Referral Program (separate terms and conditions apply)


All terms and conditions subject to change without notice.

Scroll to Top