Skip nav to main content.

Save to Win®

Turn your savings into chances to win big!

What is Save to Win®?

Save to Win® is a prize-linked share savings account that pairs the security of a regular savings account with the chance to win cash. Unlike the lottery, you keep every dollar you save and earn dividends!

Grow your month-end balance by $25 and you earn one entry in our prize drawings. AmFirst awards cash prizes from $500 up to $2,500 in its own drawings, and participating members are also entered in the national Save to Win® prize drawings. See the full details and Official Rules for more information.

Save to Win. Every $25 is a chance to win!

Here’s a look at the prizes up for grabs:

Drawings Prize Details
MONTHLY Every month, one member will win $1,500 and another will win $500!
QUARTERLY Every quarter, one member will win $2,500!
ANNUALLY Coming in 2027!

How It Works

Open a Save to Win® Share Account:

  • Only one share is allowed per member.
  • No initial or minimum deposit is required.

Grow Your Savings:

  • Dividends are paid quarterly on average daily balances of $100.00 or more at the same rate as regular share accounts.

Get a Chance to Win:

  • Every $25 increase in the month-end balance earns one entry into prize drawings.
  • Members are entered to win monthly, quarterly, and annual cash prizes.
  • The maximum number of entries is 100 for monthly drawings, 300 for quarterly drawings, and 1,200 for the annual drawing (coming 2027!).
  • Note: Withdrawals do not result in losing entries already earned.

What Are the Prizes?

Members will be entered into drawings with participants from all credit unions in the national Save to Win® program.

Prize Drawing Number of Winners per Drawing Prize Amounts per Drawing Total Annual Winners Total Annual Prizes
Monthly 152 $25.00 1,824 $45,600.00
6 $100.00 72 $7,200.00
1 $1,000.00 12 $12,000.00
Quarterly 2 $50.00 8 $400.00
15 $100.00 60 $6,000.00
10 $200.00 40 $8,000.00
8 $500.00 32 $16,000.00
7 $1,000.00 28 $28,000.00
1 $1,500.00 4 $6,000.00
1 $5,000.00 4 $20,000.00


Annual prize distribution amounts are subject to change, and it is based on the number of credit unions participating for the calendar year.

 

Open a Save to Win® Account!

Frequently Asked Questions

  • Save to Win® gives members an extra reason to build their savings. Members keep the money they save, may earn applicable dividends, and can earn chances to win cash prizes along the way. Prize winnings can provide an extra boost that may help members reach their goals faster, while regular deposits help build stronger savings habits and greater financial security. Whether saving for an emergency fund, a vacation, a major purchase, or more peace of mind, Save to Win® makes the journey more fun, engaging, and rewarding.

  • The money deposited into a Save to Win® account remains the member’s money, subject to the account terms and any applicable withdrawal restrictions or penalties. The deposit stays in the account while eligible savings growth can earn entries into prize drawings. This combination of retained savings and chances to win is what makes Save to Win® different.

  • Every qualifying increase in savings can create more opportunities to win. One entry is earned for every $25 increase in the reported month-end balance compared with the prior month. The more a member saves, the more entries they may earn, up to a maximum of 100 entries per month for applicable monthly drawings, 300 entries per quarter for applicable quarterly drawings, and 1,200 entries per year for applicable annual drawings. Eligibility requirements, entry limits, and Official Rules apply.

  • Members can access funds according to the account terms, but a withdrawal may reduce or eliminate the month-over-month balance increase used to calculate entries. If the month-end balance does not increase by at least $25, the member generally will not earn an entry for that monthly Drawing Period. Continuing to build the balance can create new opportunities in a future period.

  • No. Members can save at a pace that works for them, subject to the account terms. However, entries are earned only when the reported month-end balance has a qualifying increase. Consistent deposits can help build savings momentum and create more opportunities to earn entries over time.

  • Monthly drawings are generally conducted around the 14th of the month following the applicable monthly Drawing Period, giving eligible members regular opportunities to win. Quarterly drawings, where applicable, are held after the applicable calendar quarter has ended. The current Official Rules control the actual drawing schedule.

  • Winners will be notified by our AmFirst deposit services department via telephone, email, or U.S. mail. Winners do not need to be present at the drawing to win, so members should keep their contact information up to date to ensure they can be reached if selected for a prize.

  • Prizes will be deposited into the winner’s regular share savings account.

  • Winnings may be subject to federal, state, or local tax reporting requirements. Credit unions are required to issue a 1099-MISC form to members who receive $2,000 or more in total prize winnings during a calendar year. Winners are responsible for any applicable taxes and should consult a qualified tax professional for personal tax guidance.

  • No. Save to Win® is designed to help eligible individual credit union members build personal savings while enjoying chances to win. Business accounts are not eligible.

Disclaimer

Federally Insured by NCUA

An AmFirst membership and a qualifying Save to Win® Account are required. A participating member earns one (1) entry for each $25 increase in the month-end balance of the qualifying account, measured against the prior month-end balance and calculated on the last calendar day of the month. Entries are based on the growth of your balance, not on the amount you deposit. Eligible entries cannot exceed 100 entries for the monthly prize drawing, 300 entries for each quarterly prize drawing, and 1,200 entries for each annual prize drawing per participating member. The odds of winning are based on the number of eligible entries received. Taking any other action or purchasing any goods or services will not increase the odds of winning. The value of a chance to win is not a deposit and is not NCUA-insured.

To participate, you must be an AmFirst member in good standing, at least 19 years of age, and a resident of a state in which prize-linked savings is permitted. A Member in Good Standing is any member of AmFirst who: (a) currently has at least $5.00 on deposit in their primary share savings account; (b) is not delinquent on any loan obligation to AmFirst; (c) does not have a negative balance in any share account they own with AmFirst; and (d) has not previously caused AmFirst a financial loss of any kind. Certain accounts and persons are not eligible, including accounts not held in the name of an individual member and accounts associated with AmFirst employees. AmFirst employees below officer level may participate through a separate Employee Pool drawing. See Official Rules for complete eligibility requirements and other details.

To open a Save to Win® share account, a $5.00 membership share must be maintained in your primary share account. Dividends are subject to change. For additional account information, please see the Save to Win® Disclosure.

If you reside in one of the following states, you are ineligible to participate in Save to Win®: Alaska, Colorado, Delaware, Florida, Idaho, Iowa, Maine, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Mexico, North Dakota, South Dakota, Tennessee, Vermont, West Virginia.

Columbus Day Closure Notice All AmFirst branches will be closed on Monday, October 12, in observance of Columbus Day. Digital banking will remain available.