(1) One (1) winner of a Bermuda cruise for four (4) will be selected at 4:30 p.m. on Friday, September 29. No purchase or enrollment for credit union services required for entry. Entrants do not have to be a member of Merrimack Valley Credit Union or Bridgewater Credit Union (“MVCU”), a Division of Merrimack Valley Credit Union, to enter.
Entries can be submitted by completing the form at the Hanover Branch, or by submitting a 3x5 index card with your name and address to:
Bridgewater Credit Union
1095 Washington Street
Hanover, MA 02339
Entrants must be at least 18 years of age to participate. Only one entry per person allowed.
Value - the value of the promotional prize is $3,500. The prize will be awarded in travel vouchers to Norwegian Cruise Lines.
Prize - the prize being offered is one (1) Bermuda cruise to be won by an eligible entrant. The Prize is subject to cabin availability, blackout dates and the Terms and Conditions of the cruise line selected and includes ship accommodations, ocean transportation, onboard standard meals, and most entertainment aboard the ship. The winner will be responsible for all other expenditures greater than the Prize value including, without limitation, transportation to/from departure port, all transfers, non-standard meals, alcoholic and some other beverages, gratuities, shore excursions, telephone/Wi-Fi, incidentals, personal expenses, and travel/medical/baggage insurance. The winner of the drawing will have the option of an alternate prize of $1,750 in lieu of the trip. The value of the prize may be reported on a 1099-MISC.
Odds - Odds of winning each prize depend on the number of eligible entries received.
The drawing will be executed by MVCU. MVCU will attempt to first notify the winner by phone. If unable to do so, MVCU will send written notification via e-mail. If MVCU is unable to make contact within 14 calendar days of the drawing, another winner will be selected. The decision of the winners is at the sole discretion of MVCU, its agents or other authorized third parties.
By entering, participants release and hold harmless MVCU from any and all liability for any injuries, loss or damage of any kind arising from or in connection with this cruise giveaway or from the use or acceptance of any prize won. In the event of a dispute regarding the rules or operations of this giveaway, the laws of the Commonwealth of Massachusetts will apply. All federal, state and local laws and regulations apply. MVCU reserves the right to substitute the with another prize of equal or greater value. Acceptance of the prize provides permission to use the winner’s name, likeness, videotape, photo, etc. for promotional purposes. Employees and directors of Bridgewater Credit Union, a Division of Merrimack Valley Credit Union, its subsidiaries, its advertising and promotion agencies and the immediate family members and/or those living in the same household of each are not eligible to win. MVCU reserves the right to change the rules at any time.
(2)Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. There are no minimum balance fees. There are no recurring monthly maintenance charges or fees to open or close this account. Other fees still apply.
Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
(3)Cash back offer up to $200 maximum ($10 per $1,000 of loan amount) per member and 90 days no payment is for any new auto loan. Cash back will be applied to member's account at closing. Must meet eligibility guidelines. Application must be submitted between September 9 and October 31, 2023 to receive the offer. No payment for 90 days offer is for auto loans only. Payment deferred 90 days, with interest accrued during the 90 days payment deferral. For refinance of auto loans, the consumer auto loan must be refinanced from another financial institution. Commercial vehicles and existing MVCU loans are not eligible for the cash back offer or 90 days payment deferral. Loans subject to credit qualifications and approval. Other restrictions, rates, and terms may apply. Offer subject to change without notice.
(4)For purchase of primary residence only with select programs. Restrictions apply. NMLS #447563. Equal Housing Lender. Discount will be applied at closing and is subject to change without notice.
(5)APR = Annual Percentage Rate. Home Equity Line of Credit offer is available with a minimum draw of $25,000 in new money upon account opening. New money is the amount in excess of any MVCU debt to be paid at closing. Balance of $25,000 must be maintained for first six months. Maximum loan amount is $250,000. Equity Lines of Credit are variable rates subject to increase after consumption, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate minus 0.50% with a maximum APR rate of 18%. An early termination fee of $300 will apply if closed within the first 36 months. Maximum Loan to Value 80%. Appraisal may be required at applicants’ expense. Other restrictions apply. All loans are subject to credit approval. NMLS #447563. Equal Housing Lender. Rate and program subject to change without notice.
(6)APY – Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Minimum opening balance of $10,000. Minimum balance of $50,000 to earn APY. Fees may reduce earnings. Rates subject to change after the account is opened. Accounts are fully insured by NCUA and MSIC with no limits on the balance. APY accurate as of 7/25/2023.
(7)APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. You will be subject to a penalty for early withdrawal. Accounts are fully insured by NCUA and MSIC with no limits on the balance. Fees may reduce earnings.