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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Offers and Promotions

Contest
300,000 Reasons
Open your account before the Credit Union reaches 300,000 members and you'll be entered to win $500
Reaching 300,000 Reasons
Open your account before the Credit Union reaches 300,000 members and you'll be entered to win $500 for you and $500 to the charity of your choice (reason #278,564). Plus, you'll receive a free summer cooler.

Auto Specials Just for You
OU Credit Union is here to help you get into a new car with a low-rate auto loan that fits your budget. Right now, you'll enjoy 90 days with no payments and $100 cash back! Hurry, offer ends July 31, 2020.


What's Your Reason? Contest
We want to spread the word about the thousands of reasons why OU Credit Union members continue to choose us for their financial needs each and every day. That's why we're asking: “What's your reason?”

Let us know why you choose OU Credit Union and you could win $500!

300,000 Members


Disclosures
FULL SWEEPSTAKES DETAILS: FIND YOUR REASON

PROMOTION PERIOD
The Find Your Reason Sweepstakes begins at 12:00 a.m. EST 05/04/2020 and ends once MSUFCU reaches 300,000 members.

ELIGIBILITY
No purchase or transaction is necessary, and there is a limit of one entry per account. Employees and immediate family members of OU Credit Union and contest sponsors, as well as OU Credit Union board and committee members and their immediate family members, are not eligible.

WINNER SELECTION/ODDS
Winner will be drawn three business days after promotion end by the OU Credit Union Marketing and Communications department, whose decision is final. Chances of winning are based on the number of entries received. If 1,000 entries are submitted, chances of winning are 1 in 1,000. Winners will be notified by email and/or phone and have 5 business days to respond. Failure to respond in 5 business days will result in the selection of a new winner.

HOW TO ENTER
To enter, you must open a new account. You also may send a 3-inch by 5-inch card with your name, address, phone number, email address and promotion name to: OU Credit Union, ATTN: Marketing, 3777 West Rd., East Lansing, MI 48826-9946.

PRIZES AND ACTUAL RETAIL VALUES
The prize package is valued at $1,000 which is comprised of $500 to the winner and $500 donated by the Credit Union to a charity of the winners choice.

Prizes may not be substituted or transferred. OU Credit Union is not responsible for:
• Lost, late, illegible, mutilated, or misdirected entries
• Entries not received in time for the selection of the winner
• Technical hardware or software
• Lost or unavailable network connections
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this contest

Liability for any applicable federal, state, or other taxes will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by OU Credit Union.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To allow OU Credit Union, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are the exclusive property of OU Credit Union.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.

GENERAL CONDITIONS
OU Credit Union reserves the right to modify, suspend, and/or terminate this contest should viruses, bugs, nonauthorized human intervention, or other causes beyond the control of OU Credit Union, corrupt or impair the administration, security, fairness, or proper play of the contest. In case of suspension or termination, a notice will be posted, and, at OU Credit Union's discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. OU Credit Union reserves the right to disqualify any entrant if his/her fraud or misconduct affects the integrity of the contest or fails to remain in good standing with OU Credit Union.

OU Credit Union maintains the right to change or modify these rules at any time without notice. OU Credit Union is not responsible for any typographical or other error in the printing of the offer, administration of the contest, or in the announcement of any and all prizes. By participating, entrants agree to these official rules and to the decisions of the results of the contest, which will be final and binding in all respects.

FREE SUMMER COOLER DISCLOSURE
Each qualifying member who opens an account between 05/04/2020 and promotion end will receive a free cooler within 4 to 6 weeks of promotion end. While supplies last, first come, first served. Offer available until OU Credit Union reaches 300,000 members for accounts in good standing.

AUTO LOAN SPECIAL DISCLOSURE
$100 cash back offer valid 05/01/2020 - 07/31/2020. Offer valid on auto, RV, and boat loans of $20,000 or more opened during the promotional period. Qualifying members will receive $100 deposited into their accounts within 4-6 weeks of loan disbursal. Offer valid for loans on new or used autos, RVs, and boats, and on auto, RV, and boat loans refinanced from another financial institution. Offer valid on direct and indirect loans for existing members only. Indirect new members not eligible. Promotion does not apply to an existing OU Credit Union auto, RV, or boat loan refinances. Cannot be combined with any other auto loan offers. You will not need to make a principal or interest payment for 90 days from the date of loan origination. Interest will accrue, and the original loan termination date will be moved out three months. Offer valid 5/1/2020 - 7/31/2020. Offer not valid on leases, motorsport, motorcycle, RV, or boat loans or on refinances of OU Credit Union loans.

FULL CONTEST DETAILS: WHAT'S YOUR REASON?

PROMOTION PERIOD
The OU Credit Union What's Your Reason? Contest begins at midnight EST 05/04/2020 and ends once OU Credit Union reaches 300,000 members.

ELIGIBILITY
No purchase or transaction is necessary, and there is a limit of one entry per account. Employees and immediate family members of OU Credit Union, as well as OU Credit Union board and committee members and their immediate family members, are not eligible.

WINNER SELECTION/ODDS
Winner of $500 prize will be drawn three business days after promotion's end by the OU Credit Union Marketing and Communications department, whose decisions is final. Chances of winning are based on the number of entries received. If 1,000 entries are submitted, chances of winning are 1 in 1,000. Winners will be notified by email and/or phone and have 5 business days to respond. Failure to respond in 5 business days will result in the selection of a new winner.

HOW TO ENTER
To enter, you must submit a reason for choosing OU Credit Union as your financial institution using the form at www.OU Credit Union.org/FindYourReason.

PRIZES AND ACTUAL RETAIL VALUES
The prize is $500 cash, valued at $500, which will be deposited into the winner's OU Credit Union checking account. If the winner does not have a checking account, the funds will be deposited into member's OU Credit Union savings account.

Prizes may not be substituted or transferred. MSUFCU is not responsible for:
• Lost, late, illegible, mutilated, or misdirected entries
• Entries not received in time for the selection of the winner
• Technical hardware or software
• Lost or unavailable network connections
• Failed, incomplete, garbled, or delayed computer transmissions that may limit a user's ability to participate in this contest

Liability for any applicable federal, state, or other taxes will be the sole responsibility of the winner and no prize will be awarded without receipt of the proper legal paperwork as determined by OU Credit Union.

GENERAL RELEASE FORM
Each winner must sign a release form agreeing:
• To allow OU Credit Union, unless prohibited by law, to use his/her name, city and state of residence, photograph, and/or likeness for advertising trade and/or any other purposes in any media now or hereafter known without further compensation, permission, or notification. All images are the exclusive property of OU Credit Union.
• That aforementioned parties and their respective officers, directors, shareholders, employees, representatives, and agents shall have no liability and will be held harmless by entrant for any claim, action, liability, loss, injury, or damage to entrant or any other person or entity. This includes personal injury or death to entrant or any other person or damage to personal or real property due to the acceptance, possession, use, or misuse of a prize and any travel or travel-related activity thereto or participation in this promotion.

GENERAL CONDITIONS
OU Credit Union reserves the right to modify, suspend, and/or terminate this contest should viruses, bugs, nonauthorized human intervention, or other causes beyond the control of OU Credit Union, corrupt or impair the administration, security, fairness, or proper play of the contest. In case of suspension or termination, a notice will be posted, and, at OU Credit Union's discretion, winners will be selected from eligible nonsuspect entries received before the event was suspended or terminated. OU Credit Union reserves the right to disqualify any entrant if his/her fraud or misconduct affects the integrity of the contest or fails to remain in good standing with OU Credit Union.

OU Credit Union maintains the right to change or modify these rules at any time without notice. MSUFCU is not responsible for any typographical or other error in the printing of the offer, administration of the contest, or in the announcement of any and all prizes. By participating, entrants agree to these official rules and to the decisions of the results of the contest, which will be final and binding in all respects.