Official Rules
2026 Teacher Appreciation Giveaway Official Rules
- NO PURCHASE NECESSARY TO ENTER TO WIN
- Giveaway Sponsor: Northern Communities Credit Union, 3311 West Arrowhead Rd. Duluth, MN 55811
- Prizes: Two K-12 educators will be selected as winners of a $100 VISA gift card. Prize is non-transferable, non-assignable and cannot be redeemed for cash.
- Eligibility: Legal residents of St. Louis County, Minnesota are eligible to participate and win. All participants must be 18 years of age or older to enter. Sweepstakes void where prohibited by law. Employees of Northern Communities Credit Union are not eligible to win.
- Sweepstakes Entries: Participants can submit entries by commenting on the Northern Communities Credit Union Facebook page. Each participant is limited to one (1) total entry. Entry period starts at 11:00 am CST, May 6, 2026, and ends at 11:59 am CST, May 15, 2026. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned.
- Prize Drawing: Drawings from all eligible entries for the prizes listed in the prizes section #3 will be held by May 20, 2026. Winner need not be present to claim the prize and will be notified by Facebook messenger. If a potential winner fails to respond and accept the prize within twenty-four (24) hours from notification being sent, that entrant will no longer be eligible to win a prize. Another name will be randomly selected and the process of attempting to contact that potential winner will be repeated until a winner is confirmed, or as long as time permits.
- Prize Distribution: Winners will be notified of their prize electronically via Facebook messenger.
- Odds of Winning: Odds of winning depend on the actual number of eligible entries. Each Sweepstakes entry will have an equal chance of winning.
- Tax Issues: Winner is responsible for all tax consequences (if any) of the prize.
- Publicity: Upon acceptance of the prize, the Sweepstakes winner agrees to permit the Credit Union to use his/her name and likeness in promotional and other Credit Union materials, without additional compensation or permission, except where prohibited by law. The winner also agrees that their name and prize amount will be given to other entrants upon request.
- Decisions: By entering into the Sweepstakes, entrants agree to abide by and be bound by these Official Rules, and to accept the decisions of the Credit Union as final. Entrants also agree to hold the Credit Union and each of its officers, directors, employees, members and representatives, and agents harmless from any liability arising from participation, or the acceptance of a prize. The Credit Union and each of its officers, directors, employees, members and representatives, and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance of prizes awarded or participation in this Sweepstakes. The Credit Union is not responsible for stolen, lost, late, misdirected, damaged, incomplete, illegible, or postage-due mail or entries; or for transactions that are processed late or incorrectly, or are lost or not received due to any reason. The Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. The Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules or who make any misrepresentations relative to the Sweepstakes and prize redemption.
- Compliance with Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the Credit Union in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of Minnesota, without regard to its choice of law provisions.
- Resolution of Disputes: Except where prohibited by law, as a condition of participating in this Sweepstakes, each participant agrees that (1) any and all disputes and causes of action arising out of or connected with the Sweepstakes, Sweepstakes drawing or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest Duluth, Minnesota; (2) the laws of the State of Minnesota will govern the enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will any participant be permitted to obtain awards for, and each participant hereby waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorneys’ fees, other than actual out-of-pocket expenses (i.e., costs associated with entering the Sweepstakes), and waives all rights to have damages multiplied or increased.
- Miscellaneous: Northern Communities Credit Union may substitute a prize of equivalent value, amend the rules, or discontinue the Sweepstakes at any time. The Credit Union disclaims any responsibility to notify participants of any aspect related to the conduct of this Sweepstakes. Written copies of these rules are available during normal business hours at any Northern Communities Credit Union location, by mail upon written request to Northern Communities Credit Union, Attention: Marketing Department, 3311 West Arrowhead Rd. Duluth, MN 55811 with a stamped, self-addressed return envelope, and on Credit Union’s website at nccyou.com.
