scary good auto loan promotion official rules

Official Terms & Conditions

Promotion Period: September 1–October 31, 2026

The Scary Good Auto Loan Promotion (“Promotion”) is sponsored by Fort Worth City Credit Union (“FWCCU”). Participation is subject to these Official Promotion Rules.

1. Promotion Period

The Promotion begins September 1, 2026, and ends October 31, 2026. Eligible auto loan applications must be submitted during the Promotion Period.

To receive a revealed prize, the associated qualifying auto loan must fund within 14 calendar days of the application date.

2. Eligibility

The Promotion is available to individuals who:

  • Meet FWCCU membership eligibility requirements;

  • Submit an application for a qualifying new, used, or refinance auto loan during the Promotion Period; and

  • Meet all other requirements contained in these Official Promotion Rules.

Qualifying refinances must be vehicle loans currently financed with another financial institution. Existing FWCCU auto loans are not eligible for refinance under this Promotion.

DriveFWCCU auto loans are not eligible for this Promotion.

All loans are subject to credit approval and FWCCU underwriting guidelines. Applying for a loan or revealing a prize does not guarantee loan approval, funding, or receipt of the revealed prize.

Limit one digital scratch-off opportunity and one prize per qualifying auto loan application. Duplicate or substantially similar applications for the same vehicle or loan transaction will not generate additional scratch-off opportunities.

FWCCU employees, officials, volunteers, and members of their immediate households are not eligible to participate in the prize portion of the Promotion.

3. Promotional Auto Loan Rate

Qualifying auto loans receive a promotional 0.50% APR discount from the otherwise applicable rate tier during the Promotion Period.

Rates as low as 4.64% APR reflect the promotional 0.50% APR discount and all applicable relationship discounts. Actual rates and terms are based on individual creditworthiness, loan term, vehicle age, loan-to-value, and other applicable factors. Not all applicants will qualify for the lowest advertised rate.

APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Other restrictions may apply.

4. How the Digital Scratch-Off Works

Each eligible applicant will receive one digital scratch-off opportunity after submitting and getting approved for a qualifying auto loan application during the Promotion Period.

Prize results are generated electronically and randomly through a weighted digital prize system. FWCCU does not select which individual applicant receives a particular randomized prize result.

Each eligible digital scratch-off reveals a potential prize. Revealing a prize does not mean the prize has been earned, awarded, or claimed. The applicant must be approved for and fund a qualifying FWCCU auto loan within 14 calendar days of the application date to receive the revealed prize.

Digital scratch-off results are associated with the eligible applicant and qualifying loan application and may not be transferred or assigned to another person, application, or loan.

5. Regular Prizes and Odds

The digital scratch-off system uses the following weighted distribution for regular prizes:

  • $25 Gas Card: 30% assigned probability; value $25

  • $50 Gas Card: 30% assigned probability; value $50

  • $100 Gas Card: 20% assigned probability; value $100

  • Complimentary OmniProtect Policy: 10% assigned probability; value $378–$795 depending on vehicle and policy type

  • Complimentary GAP Policy: 10% assigned probability; value $795

Assigned probabilities for regular prizes total 100%.

Actual prize results may vary from the expected distribution because individual results are randomly generated.

6. Grand Prizes

Two limited grand prizes are also available during the Promotion:

  • One (1) One Year of Gas Grand Prize: value $1,200, fulfilled as $100 per month for 12 months.

  • One (1) $1,000 Auto Loan Balance Grand Prize: value $1,000, applied directly toward the winner's qualifying FWCCU auto loan balance.

Each grand prize is limited to one available prize during the Promotion.

When a grand prize is revealed through an eligible digital scratch-off, it will be temporarily removed from the available prize pool while the applicant completes the qualifying auto loan process.

A revealed grand prize is not considered awarded or claimed until the associated qualifying auto loan has funded and all eligibility requirements have been verified.

If the qualifying loan funds within 14 calendar days of the application date, the grand prize will be awarded to the eligible recipient and permanently removed from the prize pool.

If the applicant's loan is denied, withdrawn, cancelled, does not fund within 14 calendar days of the application date, or the applicant is otherwise determined to be ineligible, the grand prize will be forfeited by that applicant and returned to the available digital prize pool. Once returned, it will again be available to be randomly revealed by another eligible participant.

Odds of revealing a grand prize vary based on participation and whether the applicable grand prize is available in the prize pool at the time of play. Because each grand prize is limited to one available prize and may be temporarily removed or returned to the pool, exact odds cannot be determined in advance.

7. Prize Redemption

To receive any revealed prize:

  1. The applicant must meet all Promotion eligibility requirements;

  2. The applicant must be approved for a qualifying FWCCU auto loan; and

  3. The qualifying loan must fund within 14 calendar days of the application date.

Once the qualifying loan has funded and eligibility has been verified, FWCCU will fulfill the applicable prize within a reasonable period.

The $1,000 Auto Loan Balance Grand Prize will be applied directly toward the principal balance of the recipient's qualifying FWCCU auto loan. The prize does not replace, postpone, or otherwise modify any regularly scheduled loan payment.

The One Year of Gas Grand Prize has a total value of $1,200 and will be fulfilled as $100 per month for 12 months or through a substantially equivalent fulfillment method determined by FWCCU.

OmniProtect coverage and value depend on the eligible vehicle and policy type. GAP and OmniProtect coverage are subject to the terms, conditions, eligibility requirements, limitations, and exclusions of the applicable product.

8. Prize Forfeiture

A revealed prize will be forfeited if:

  • The applicant's loan is denied, withdrawn, cancelled, or otherwise does not fund;

  • The qualifying loan does not fund within 14 calendar days of the application date;

  • The applicant or transaction is determined to be ineligible;

  • The applicant provides false, fraudulent, incomplete, or misleading information;

  • The applicant attempts to obtain multiple scratch-off opportunities for the same qualifying transaction; or

  • The applicant otherwise fails to satisfy these Official Promotion Rules.

A forfeited regular prize has no cash value and will not be substituted with another prize.

A forfeited grand prize will be returned to the available digital prize pool and may be randomly revealed by another eligible participant during the Promotion.

9. Unclaimed Grand Prizes

If either grand prize remains available and unclaimed after all eligible applications submitted by October 31, 2026, have completed their applicable 14-calendar-day funding period, the prize will remain unawarded unless otherwise required by applicable law.

FWCCU is not required to conduct a separate drawing or extend the Promotion to award an unclaimed grand prize unless required by applicable law.

10. Prize Restrictions

Limit one scratch-off opportunity and one prize per qualifying auto loan application.

Prizes may not be transferred, sold, assigned, substituted, redeemed, or exchanged for cash, except at FWCCU's discretion when necessary due to prize availability or circumstances outside FWCCU's reasonable control. Any substitute prize provided by FWCCU will be of equal or greater value.

Screenshots, reproductions, altered images, duplicate digital results, or other representations of a scratch-off result do not independently establish eligibility for a prize. FWCCU's Promotion records will be used to verify prize results and eligibility.

11. Taxes

Prize recipients are solely responsible for any federal, state, or local taxes or other tax obligations resulting from receipt of a prize.

FWCCU may require a prize recipient to provide information or complete documentation necessary for applicable tax reporting. FWCCU may issue an IRS Form 1099 or other applicable tax document when required by law.

Recipients should consult their own tax advisor regarding the tax consequences of receiving a promotional prize.

12. Technical Issues and Promotion Integrity

Any attempt to manipulate, duplicate, automate, alter, interfere with, or otherwise abuse the digital scratch-off process may result in disqualification.

If the Promotion cannot operate as intended because of technical problems, fraud, tampering, unauthorized intervention, system or vendor failures, programming errors, or circumstances outside FWCCU's reasonable control, FWCCU reserves the right to modify, suspend, or terminate the Promotion, subject to applicable law and the rights of participants who have already earned a prize.

In the event of a programming, technical, production, or other error affecting prize availability or results, FWCCU reserves the right to correct the error and administer the Promotion in accordance with the intended prize structure, to the extent permitted by applicable law.

FWCCU reserves the right to verify the eligibility of participants and validity of prize claims. FWCCU's interpretation and administration of these Official Promotion Rules will be final, subject to applicable law.

13. Privacy

Information collected in connection with an auto loan application will be handled in accordance with FWCCU's applicable privacy policies and notices. Information related to the Promotion may be used to administer the Promotion, verify eligibility, fulfill prizes, maintain required records, prevent fraud or abuse, and comply with applicable legal and regulatory requirements.

14. General Auto Loan Disclosures

All loans are subject to credit approval and FWCCU lending guidelines. Rates and terms are based on individual creditworthiness and other applicable factors. Membership eligibility required.

Promotional 0.50% APR discount applies only to qualifying new and used vehicle loans and qualifying vehicle loans refinanced from another financial institution during the Promotion Period. Existing FWCCU auto loans and DriveFWCCU loans are excluded.

Promotion may not be combined with certain other promotional offers or discounts except applicable FWCCU relationship discounts. Other restrictions may apply.

FWCCU reserves the right to modify or discontinue the Promotion subject to applicable law and the rights of participants who have already qualified under the Promotion.