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Saver's Sweepstakes

Earn Chances to Win - Just for Saving

Ripco's *Saver's Sweepstakes Share Savings Account is a prize-linked savings program offered by Wisconsin credit unions.  Saver's Sweepstakes share savings accounts are designed to help credit union members save while giving them chances to win statewide cash prize drawings. 

Think of Saver's Sweepstakes accounts as being structured similarly to a Christmas Club Savings Account.  Members can make deposits, and the money in the account is theirs, but their withdrawals are limited during the calendar year.  Making deposits earns the primary share account holder entries into drawings for cash prizes. 

Saver's Sweepstakes Account Features

  • Open an account for $25 plus the purchase of one share ($5.00) if you are not already a member
  • Minimum balance to maintain: $25.00
  • Interest earned quarterly when balance is above $25.00

Other Saver's Sweepstakes Benefits

Deposit/Withdrawals and Entry details

  • Unlimited deposits in any denomination
  • Participants are only eligible to win once per drawing (monthly, quarterly, annual)
  • One entry is given for each $25 increase in balance each month, max of 6 entries or $150
  • First and second withdrawals will be assessed a $10 fee
  • Third withdrawal will result in account closure and entries are forfeited. 
  • If account is closed, member is not able to open another Saver's Sweepstakes account for 90 days.

Account renewal/grace period

  • Saver's Sweepstakes accounts will renew at the end of each Calendar year, regardless of what month the account is opened.
  • During the entire month of January, participants may do any of the following penalty-free:
    • Withdraw/transfer funds
    • Keep funds in account for another 12 months
    • Close account
  • Any balance that remains after the end of the Calendar year will be treated as a new deposit for eligibility into the next monthly, quarterly, and annual prize drawings

Who is Eligible? 

  • The primary account holder must be a Wisconsin, Minnesota or Illinois resident at the time of account opening, and must remain a resident to be eligible to participate in Saver's Sweepstakes.  If he/she moves out of Wisconsin, Minnesota or Illinois, becoming ineligible to participate; the credit union must close the account. 
  • The primary account holder must be a credit union member with a membership share account. 
  • A minor may be the sole or primary account holder with a parent or legal guardian's written permission; or a Saver's Sweepstakes account for a minor may be held as a custodial account.  
  • Only an individual can hold a Saver's Sweepstakes account.  No businesses, estates, trusts, organizations, any public or private entities, unincorporated associations and/or others holding the account primarily for non-consumer purposes, are eligible to participate in Saver's Sweepstakes, either as primary account holders or as joint account holders. 

The Prize Pool

There are fifty $100 winners drawn monthly, along with 4 quarterly $1000 winners, in addition to one annual $5000 winner.  The prize pool currently totals $81,000 given away annually. 

2019 Prize Schedule and Amounts


Savings Calculator

*Saver’s Sweepstakes™ account holders are eligible for monthly, quarterly and annual cash prizes. The primary account holder is given one entry for each $25 increase in balance each month (up to a total of: 6 entries per month/18 entries per quarter/72 entries per 12-month savings period) into any eligible statewide prize drawing conducted among Wisconsin credit unions participating in the Saver’s Sweepstakes™ program through the Wisconsin Credit Union League and into any eligible members-only Saver’s Sweepstakes™ drawing conducted by the credit union. Cash prizes will be deposited into the winners’ Share Savings Account. Membership eligibility required. Early withdrawal penalties may apply. See a credit union Member Services representative for complete terms, conditions and official rules. Federally insured by the NCUA.
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