IMPORTANT:  When transferring from a Money Market account online, you may see “Reg D Limit Reached: Cannot Transfer”.  Please disregard this message as transfers should continue to function properly.  Sorry for any confusion!  Please contact us with questions.

#MyNextStep

Life is a journey.
True North is here for you.
Every STEP of the way.

You could win $50, $250, $500 or even $1,000 just by taking True North with you on your next step!

Entering is simple:

  1. If you visit a branch, make sure to ask for your free #MyNextStep gift! (not required to enter)
  2. To enter, take a pic of yourself and/or your gift on your next step (it can be any step you take). Pictures are encouraged but optional.
  3. Post it on Facebook, Instagram or Twitter --- tag #MyNextStep and @TrueNorthFCU.
  4. That’s it! You’re entered into our $50 weekly, $250 or $500 monthly and final $1,000 giveaway.
  5. And, be sure to like and follow our pages because every week we’ll have an additional way to enter and win.

Don’t use Facebook, Instagram or Twitter? No problem. There are alternate ways to enter!

  • Enter by email: Send a picture of yourself and/or your #MyNextStep gift along with a message about what your next step may be (it can be big or small from stopping for coffee in the morning to buying a house) to mynextstep@truenorthfcu.org. Once you receive a confirmation receipt, you are entered to win! By entering, you give us permission to share your photo and message on social media.
  • Enter at a branch: Visit your local branch and ask for an entry form!

Official Rules (pdf is available here)
#MyNextStep SWEEPSTAKES (THE “SWEEPSTAKES”)

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.  ODDS OF WINNING WILL DEPEND ON THE TOTAL NUMBER OF ENTRIES RECEIVED DURING THE ENTRY PERIOD.  STATE AND LOCAL LAWS AND REGULATIONS APPLY. VOID WHERE PROHIBITED BY ALL U.S. FEDERAL, STATE, LOCAL LAWS, CODES AND OTHER SIMILAR GOVERNING LAWS, RULES, REGULATIONS AND/OR ORDINANCES.

HOST: The host of this Sweepstakes is True North Federal Credit Union (the “Host”), 2777 Postal Way, Juneau, AK 99801.  This Sweepstakes is governed by these official rules (“Official Rules”).  By participating in this Sweepstakes, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the results of this Sweepstakes, as determined by Host and its agents, are final in all respects.

ELIGIBILITY: This Sweepstakes is open only to individuals who are legal residents and physically located in the state of Alaska, who are eighteen (18) years of age or older at the time of entry. Employees, officers, and directors (including immediate family members (i.e., spouse, parent, child, sibling and their respective spouses, regardless of where they reside) and members of the same household, whether or not related) of True North FCU and its affiliates, subsidiaries, advertising and promotion agencies, and suppliers are not eligible to participate in this Sweepstakes or to win a Prize.

ENTRY PERIOD: This Sweepstakes will have one (1) Promotion Period. The promotion period (the “Promotion Period”) shall commence and conclude with respect to the following times and dates: Begins on or about 12:01 a.m. Alaska Standard Time (“AKST”) on Thursday, October 1, 2020, and ends at 11:59 p.m. AKST Thursday, December 31, 2020.

The Promotion Period is divided into thirteen (13) weekly entry periods (each a “Week”) as defined below. True North FCU’s designated computer shall be the official timekeeper of this Sweepstakes. 

Week

Start Date/Time

End Date/Time

1

10/01/20, 12:00:00 p.m. AKST

10/08/20, 11:59:59 p.m. AKST

2

10/09/20, 12:00:00 a.m. AKST

10/15/20, 11:59:59 p.m. AKST

3

10/16/20, 12:00:00 a.m. AKST

10/22/20, 11:59:59 p.m. AKST

4

10/23/20, 12:00:00 a.m. AKST

10/29/20, 11:59:59 p.m. AKST

5

10/30/20, 12:00:00 a.m. AKST

11/05/20, 11:59:59 p.m. AKST

6

11/06/20, 12:00:00 a.m. AKST

11/12/20, 11:59:59 a.m. AKST

7

11/13/20, 12:00:00 a.m. AKST

11/19/20, 11:59:59 p.m. AKST

8

11/20/20, 12:00:00 a.m. AKST

11/26/20, 11:59:59 a.m. AKST

9

11/27/20, 12:00:00 a.m. AKST

12/03/20, 11:59:59 p.m. AKST

10

12/04/20, 12:00:00 a.m. AKST

12/10/20, 11:59:59 a.m. AKST

11

12/11/20, 12:00:00 a.m. AKST

12/17/20, 11:59:59 p.m. AKST

12

12/18/20, 12:00:00 a.m. AKST

12/24/20, 11:59:59 a.m. AKST

13

12/25/20, 12:00:00 a.m. AKST

12/31/20, 11:59:59 p.m. AKST

 

HOW TO ENTER: To enter, during the Entry Period, each entrant will post a message and/or photo(s) referencing True North FCU on his/her personal Facebook, Instagram, or Twitter accounts utilizing the hashtag “MyNextStep” and tagging the True North FCU (@TrueNorthFCU) profile. The hashtag and tag are required for entry.

Entries may be submitted from any location at any time via Facebook, Instagram or Twitter within the Entry Period. Each entrant’s Instagram, Facebook and Twitter account privacy settings, as applicable, must be set to “unprotected” or “public”.  To get an Instagram, Facebook and/or Twitter account, visit http://www.instagram.com, http://www.facebook.com and/or http://www.twitter.com (as applicable).  By entering this Sweepstakes, each entrant agrees to abide by Instagram’s, Facebook’s and/or Twitter’s (as applicable) Rules and Terms of Use (found at https://help.instagram.com/478745558852511,  https://www.facebook.com/terms.php and https://support.twitter.com/articles/68877#, respectively) and privacy policies (found at https://www.instagram.com/about/legal/privacy/,  https://www.facebook.com/about/privacy and https://twitter.com/privacy, respectively) as well as being solely responsible for any and all data charges that he/she may incur.  All such charges will be billed by and payable to his/her mobile service provider. 

THIS SWEEPSTAKES IN NO WAY IS SPONSORED, ADMINISTERED OR ENDORSED BY, NOR IS IT ASSOCIATED WITH, INSTAGRAM, FACEBOOK OR TWITTER.

You may also use these alternate methods to enter into the Sweepstakes:

  1. By email: To enter by email, send a photo and message utilizing the hashtag “MyNextStep” to mynextstep@truenorthfcu.org. You will receive a reply message confirming receipt of your entry. You are not entered until you receive the confirmation.
  2. In person: To enter in person, visit a True North FCU branch with a paper copy of your photo, fill out an entry form and return it to branch staff.

As a condition of entering this Sweepstakes, each entrant gives consent for the Host to repost any images utilizing the hashtag “#MyNextStep” to promote this Sweepstakes.  Any information an entrant provides to the Host may be used to communicate with such entrant in relation to this Sweepstakes or on a Sweepstakes winner’s list.  Any and all submissions and metadata submitted for this Sweepstakes may be publicly viewable.  Additionally, by participating in this Sweepstakes, entrants acknowledge their entries may be reposted by the public or open to public commentary, for which Released Parties (defined below) will not be liable. Further, all information participants submit in connection with this Sweepstakes is subject to, and will be treated in a manner consistent with True North FCU’s Privacy Policy and Terms of Use accessible at: https://www.truenorthfcu.org/media/1106/reg-3-privacy-notice.pdf. 

There is a limit of one entry per week per entry method (Facebook, Twitter, Instagram, Email, and/or Entry Form) during the Entry Period. Any additional entries beyond the specified limit, and any entries that do not otherwise comply with these Official Rules, will be void. Subsequent attempts made by the same individual to submit multiple entries by using multiple or false contact information, Facebook, Instagram or Twitter accounts or otherwise may result in the entrant being disqualified.  Entries that are in excess of the stated limits, incomplete, illegible, corrupted, damaged, destroyed, forged, false, lost, late or misdirected, deceptive or otherwise not in compliance with the Official Rules may be disqualified from this Sweepstakes at True North FCU’s sole and absolute discretion.  Entries submitted by entrants who do not meet the eligibility requirements (including all requirements with respect to age and residence) are void.  Those who do not follow all of the instructions or abide by these Official Rules or other instructions of the Host may be disqualified.      

RANDOM DRAWING AND ODDS: There will be thirteen (13) winners selected in this Sweepstakes.  Winners will be selected by random drawing in a commercially-reasonable time, following the end of each Entry Period, from among all eligible entries received by True North FCU.  Subject to verification of eligibility and compliance with the terms of these Official Rules, the potential winners will be declared the official winners of this Sweepstakes (the “Winners”).  The decisions of Host are final and binding on all matters relating to this Sweepstakes. 

Announcement and instructions for obtaining Prize will be sent to the potential Winner via Facebook, Twitter or Instagram Private Message or e-mail following selection.  Each entrant is responsible for monitoring his/her Messenger or e-mail account for Prize notification and receipt or other communications related to this Sweepstakes.  If a potential Prize Winner cannot be reached by True North within seventy-two (72) hours (“Required Response Time”) using the Facebook, Twitter or Instagram Private Message or e-mail address provided during entry, then that potential Prize Winner shall forfeit the Prize.  Upon the request of True North FCU, the potential Winner may be required to return an Affidavit of Eligibility, Release and Prize Acceptance Form and IRS W-9 form (collectively, “Affidavit”).  If a potential Winner fails to comply with these Official Rules, then that potential Winner will be disqualified.  Prizes may not be awarded if an insufficient number of eligible entries are received.

NOTIFICATION:  The potential Winner will be notified via social media, on his/her Facebook, Twitter or Instagram account, as applicable or via email, by True North FCU (the “Prize Notification”) and will be required to privately (email, or other secure means) provide his/her name, address, age and other personal information necessary to receive the Prize.  In the event that any potential Winner does not respond to any such Prize Notification within the Required Response Time or declines the Prize for any reason a disqualification will result, the Prize will be forfeited and, at Host’s sole discretion and time permitting, an alternate potential Winner may be randomly selected from among all remaining eligible entries.  The potential Winner may be required to submit his/her valid social security number and/or other identification to Host and may be required to execute, have notarized and return an Affidavit.  Failure to submit any identification required by Host or to return the required documents within the specified time period, noncompliance with these Official Rules or the return of the Prize (or any portion thereof) or Prize Notification as undeliverable may result in disqualification and Prize forfeiture and, at Host’s sole discretion and time permitting, may cause an alternate potential Winner to be randomly selected from among all remaining eligible entries.  The Host Entities are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in an entrant’s e-mail account to receive e-mail messages.

PRIZE:  There will be thirteen (13) prizes (the “Prizes”).  Ten (10) weekly prizes will include a $50 check and various small True North branded items. Approximate Retail Value (“ARV”) of the Prize: $55.00. One (1) monthly prize will include a $250 check and various small True North branded items. Approximate Retail Value (“ARV”) of the Prize: $255.00. One (1) monthly prize will include a $500 check and various small True North branded items. Approximate Retail Value (“ARV”) of the Prize: $505.00. One (1) final grand prize will include a $1,000 check and various small True North branded items. Approximate Retail Value (“ARV”) of the Prize: $1,005.00.

PRIZE CONDITIONS:  All Prize details shall be determined, in the sole and absolute discretion of True North FCU.  No compensation will be paid in lieu of a lost Prize or cancelled event.  Any Winner is strictly prohibited from auctioning, trading or otherwise transferring the Prize unless Host consents in writing.  Each Winner is fully responsible for any and all applicable federal, state, and local taxes (including income and withholding taxes), regardless of whether they, in whole or in part, are used.  The ARV of each Prize is based on available information provided to True North FCU and the value of any Prize awarded to a Winner may be reported for tax purposes as required by law.  Each Winner may be required to provide Host with a valid social security number before the Prize will be awarded for tax reporting purposes.  An IRS Form 1099 may be issued in the name of a Winner for the actual value of the Prize received.  All costs and expenses associated with Prize acceptance and use not specified herein as being provided are the sole responsibility of the applicable Winner.  A Prize is non-transferable and non-assignable, with no cash redemptions except at Host’s sole and absolute discretion.  True North FCU reserves the right to substitute a Prize (or any portion thereof) with a prize of comparable or greater value at its sole and absolute discretion.   No more than the stated number of Prize(s) will be awarded.  True North FCU is not responsible for and no Winner will receive the difference, if any, between the actual value of a Prize at the time of award and its stated ARV in these Official Rules or in any Sweepstakes-related correspondence or material.  Limit of one (1) Prize per person.

RELEASE: By entering this Sweepstakes and submitting an entry, each entrant releases in perpetuity the Released Parties from any claims, demands, losses and liabilities of any nature arising out of or in any way connected with the entry, and the use thereof as permitted hereunder, including, but not limited to, claims of copyright or trademark infringement, false endorsement, libel, slander, defamation or infringement of rights of publicity or privacy. Nothing herein will obligate True North FCU to make any use of any of the rights set forth herein.

WAIVER OF LIABILITY/PUBLICITY RELEASE:  By participating in this Sweepstakes and submitting an entry, each entrant agrees to: (i) be bound by these Official Rules, including all entry requirements, and (ii) waive any and all claims against True North FCU, Facebook, Instagram, Twitter and each of their respective parents, affiliated companies, subsidiaries, officers, directors, employees, agents, licensees, distributors, dealers, retailers, printers, representatives and advertising and promotion agencies, and any and all other companies associated with this Sweepstakes, and all of their respective officers, directors, employees, agents and representatives (collectively, “Released Parties”) for any injury, damage or loss that may occur, directly or indirectly, in whole or in part, from the participation in this Sweepstakes or from the receipt or use of the Prize (or any portion thereof) or any travel or activity related to the receipt or use of the Prize (or any portion thereof).  By entering this Sweepstakes, each entrant gives his/her express permission to be contacted by Host by telephone, social-media account, e-mail and/or postal mail for Sweepstakes purposes.  A Winner, by acceptance of his/her Prize, grants to Host and each of its designees the right to publicize such Winner’s name, photograph, voice, statements and/or other likeness and Prize information for advertising, promotional, trade and/or any other purpose in any media or format now known or hereafter devised, throughout the world, in perpetuity, without limitation and without further compensation, consideration, permission or notification, unless prohibited by law.

GENERAL CONDITIONS: Released Parties are not responsible for stolen, late, incomplete, illegible, inaccurate, misdirected, lost, misrouted, scrambled, damaged, delayed, undelivered, mutilated, postage-due or garbled entries, transmissions, e-mail or mail; or for lost, interrupted or unavailable network, cable, satellite, server, Internet Service Provider (ISP), wireless network, website, API, or other connections, including those through and/or by any website, availability or accessibility or miscommunications or failed computer, satellite, telephone, cable or wireless transmissions, lines, or technical failure or jumbled, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunctions, failures or difficulties; wireless service congestion; failures or malfunctions of phones, phone lines or telephone systems, wireless towers or cellular tower equipment; any error, omission, interruption, defect or delay in wireless or other transmission, processing, or communication; non-delivery; misdirected, blocked, or delayed email notifications; printing, typographical or other errors appearing within these Official Rules, in any Sweepstakes-related advertisements or other materials; or any other errors, problems or difficulties of any kind whether human, mechanical, electronic, network, computer, telephone, wireless service, mail, typographical, printing or otherwise relating to or in connection with this Sweepstakes, including, without limitation, errors or difficulties which may occur in connection with the administration of this Sweepstakes, the processing of entries, the announcement of the Prize or in any Sweepstakes-related materials, or the cancellation or postponement of any event.  Released Parties are also not responsible for any incorrect or inaccurate information, whether caused by website users, tampering, hacking, or by any equipment or programming associated with or utilized in this Sweepstakes.  Released Parties are not responsible for injury or damage to any entrant’s or to any other person’s computer and/or wireless device related to or resulting from participating in this Sweepstakes.  Persons who tamper with or abuse any aspect of this Sweepstakes or website or attempt to undermine the legitimate operation of this Sweepstakes by cheating, deception or other unfair playing practices, or intend to annoy, abuse, threaten or harass any other entrant or any representative of Host or who are in violation of these Official Rules, as solely determined by Host, will be disqualified and all associated entries will be void.  Any attempt to damage the content or operation of this Sweepstakes is unlawful and subject to legal action by Host and/or its respective agents.  Host shall have the sole right to disqualify any entrant for violation of these Official Rules or any applicable laws relating to this Sweepstakes, and to resolve all disputes in its sole discretion.  Released Parties (i) make no warranty, guaranty or representation of any kind concerning the Prize (or any portion thereof) and (ii) disclaim any implied warranty.  Host’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

Host reserves the right, in its sole discretion, to cancel or suspend this Sweepstakes (or any portion thereof) should virus, bugs, unauthorized human intervention, or other causes corrupt administration, security, fairness, integrity or proper operation of this Sweepstakes (or any portion thereof).  In the event of Sweepstakes cancellation, Host may elect to identify a Winner and award the associated Prize by way of random drawing from among all non-suspect, eligible entries received up to the time of such cancellation. Host also reserves the right, in its sole discretion, to modify these Official Rules for clarification purposes without materially affecting the terms and conditions of this Sweepstakes.  In the event Host is prevented from continuing with this Sweepstakes by any event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with this Sweepstakes by any party, or any federal, state, local or provincial government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Host’s control (each a “Force Majeure” event or occurrence), Host shall have the right to modify, suspend or terminate this Sweepstakes or the Prize.

CAUTION: ANY ATTEMPT TO DAMAGE OR UNDERMINE THE CONTENT OR LEGITIMATE OPERATION OF THIS SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, HOST WILL DISQUALIFY ANY SUCH ENTRANT, AND HOST AND/OR ITS RESPECTIVE AGENTS RESERVE THE RIGHT TO SEEK DAMAGES (INCLUDING ATTORNEYS’ FEES) AND OTHER REMEDIES FROM ANY PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.

Entries generated by a script, macro or other mechanical or automated means will be disqualified.  In the event of dispute as to the identity or eligibility of any potential Winner based on an e-mail account, the winning entry will be declared made by the full name submitted with the entry at the time of entry, provided he/she is eligible according to these Official Rules.   In the event a dispute regarding the identity of the individual who actually submitted an entry cannot be resolved to Host’s satisfaction, the affected entry will be deemed ineligible.

As a condition of entering this Sweepstakes, each entrant agrees that: (a) any and all disputes, claims, controversies or causes of action arising out of or relating to this Sweepstakes, or any Prizes awarded (each, a “Claim”), shall be: (i) arbitrated on an individual basis only, and shall not be consolidated or joined with or in any arbitration or other proceeding involving a Claim of any other party, and (ii) settled by binding arbitration in Alaska, before a single arbitrator appointed by the American Arbitration Association in accordance with its then-governing rules and procedures, and judgment on the award rendered by the arbitrator may be entered by any court having jurisdiction thereof; and (b) under no circumstance will an entrant be permitted to obtain awards for, and each such entrant hereby waives all rights to claim, punitive, incidental, consequential or any other damages, other than for actual out-of-pocket expenses.  These Official Rules shall be governed by and construed and interpreted in accordance with the laws of the State of Alaska, U.S.A, applicable to contracts entered into and performed exclusively in that State, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.

NAME OF SWEEPSTAKES WINNERS:   To receive the names of the Winners, send a stamped self-addressed envelope, prior to January 10, 2021, to: “#MyNextStep”, c/o True North FCU, 2777 Postal Way, Juneau, AK 99801.

MISCELLANEOUS:  The invalidity or unenforceability of any provision of these Official Rules or the Affidavit will not affect the validity or enforceability of any other provision.  In the event that any provision of the Official Rules or the Affidavit is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.  Host’s failure to enforce any term of these Official Rules will not constitute a waiver of that provision.  Entrants agree to waive any rights to claim ambiguity with respect to these Official Rules.  Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof.  In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials, privacy policy or terms of use and/or the terms and conditions of these Official Rules, these Official Rules shall prevail, govern and control and the discrepancy will be resolved in Host’s sole and absolute discretion.