Official Contest Rules

Terms and Conditions

Contest Overview.  Deseret First Federal Credit Union ("Deseret First”) is excited to celebrate the holiday season with you through 1000 Reasons to Love Christmas.  Every time you swipe your Deseret First credit card, you will receive an entry for a contest giveaway.  This contest will extend from November 1, 2013, through December 22, 2013.

Contest Dates and Prizes.  Deseret First will be holding three different types of contests.

  • One $1,000.00 Grand Prize.  The winner will be selected from all entries made from November 1, 2013, through December 22, 2013.  The drawing will be held the morning of December 23, 2013, and the winner will be notified that same day.  The winner will have 24 hours to contact Deseret First to claim their prize.  Persons that win weekly or daily prizes will remain eligible to win the grand prize and all entries from November 1, 2013 through December 22, 2013 will be involved in the December 23, 2013 drawing.
  • Seven Weekly Prizes.  Each weekly winner will be selected from all Entries made within the specific week before the drawing (e.g. the winner of the November 7, 2013 prize will be drawn from all entries made from November 1, 2013 through November 6, 2013).  Weeks start on Thursday and finish on Wednesday.  Winners will be drawn and notified on Thursday.  Winners have 24 hours to contact Deseret First to claim their prize.  The dates and amounts of the weekly prizes are as follows:
    • 11/1/2013-11/6/2013, $100.00;
    • 11/7/2013-11/13/2013, $150.00;
    • 11/14/2013-11/20/2013, $200.00;
    • 11/21/2013-11/27/2013, $250.00;
    • 11/28/2013-12/4/2013, $300.00;
    • 12/5/2013-12/11/2013, $350.00;
    • 12/12/2013-12/18/2013, $500.00

Claiming Your Prize and Announcement of Winners.  Each winner will be notified by a phone call to the number Deseret First has in connection with the winner’s account (or as provided in the mail entry card, if applicable) and if Deseret First has an email address on file for the winner’s account (or as provided in the mail entry card, if applicable) the winner will receive an email.  Notification will be deemed received at the time the phone call is made and email sent, if applicable.  Winners will have 24 hours from the time the notification is received to contact Deseret First to claim their prize.  Winners must contact Deseret First by phone at (801) 456-7040 or Toll-free at 1-800-326-3328; by email sent to; or by visiting any Deseret First branch.  Should a winner fail to claim their prize within 24 hours as prescribed in these rules, Deseret First will randomly select another winner from the applicable entries.

The cash prizes will be deposited into each winner's Deseret First account.  If the winner is not a member of Deseret First, a Visa Cash card will be given.

Winners will be announced via Deseret First’s Facebook page, Twitter account, and by email.  


For Deseret First Credit Card Holders.  Deseret First members with a Deseret First credit card will receive one automatic entry for every credit card purchase made during the applicable contests.  No entries will be accepted for debit card purchases.  

For Individuals Who Enter Through Mail.  Entries may also be made by entrants who legibly print their name, home address, day and evening phone numbers, and email address, if any, on a "3x5” postcard and mail it to: Deseret First Credit Union, Marketing Department, Attention: 1000 Reasons to Love Christmas, P.O. Box 45046, Salt Lake City, Utah 84145-0046.  One entry per stamped postcard mailed.  Mail entries will be entered for the weekly prizes in the week they are received.  For the two daily prizes, mail entries will be entered for the December 1st drawings if they are received on either November 29th or November 30th.  The personal information obtained pursuant to a mail entry will be used solely for the purpose of this contest (e.g. your email will only be used to notify you if you have won.)

Odds.  Your odds of winning each prize are dependent on the number of entries received.

Drawings.  All drawings, held on the dates outlined above, will be randomly selected.

General Rules.  By participating in this contest, you agree to be bound by these rules.  To comply with applicable tax laws, the winner may receive a 1099-Misc for the value of the prize.  The contest winners hereby agree to give Deseret First their personal information, if requested, for the sole purpose of completing the 1099-Misc Form.  Such information may include, but is not limited to, name, address, and social security number.  Deseret First employees and their immediate family members are not eligible to win the daily, weekly or grand prize.  Contestants must be 18 years of age or older.  No purchase necessary.  Void where prohibited.  

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Deseret First Credit Union has been serving members and employees of the LDS Church since 1955.
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