The Promotion is open only to the legal residents of the United States who are 18 years of age or older on or before September 14, 2025.
Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation, Miller Electric Company, and Web.com
Employees, officers, and directors, including immediate family members (spouse, parent, child, sibling and their respective spouses, regardless of where they reside) and members of the same household (whether or not related) of Community First Credit Union (“Sponsor”), and its respective parents, affiliated companies, subsidiaries, advertising and promotion agencies, and any and all other companies associated with the Promotion are not eligible to participate or win the Prize (defined below). The Promotion is subject to all applicable federal, state, territory, and local laws, rules and regulations. Void where prohibited or restricted by law, rule, or regulation.
The Refer-a-Friend Sweepstakes ("Promotion") begins at 9:00 AM (EST) on September 14, 2025, and ends at 11:59 PM (EST) on September 20, 2025 ("Entry Period"). Limit one (1) entry per person. You may enter the Promotion in any of the following ways:
No other method of entry will be accepted. By successfully submitting an entry form during the Entry Period, you will receive one (1) entry in the Promotion. All information submitted by entrants is subject to, and will be treated in a manner consistent with, Community First Credit Union’s Privacy Policy available at https://www.communityfirstfl.org/privacy-policy. All entries must include valid contact information for the entrant. The information you provide in connection with the Promotion may be used by Sponsor to send you information about its products and services. If you would like to be removed from Sponsor’s mailing list or if you do not wish to receive information from Sponsor, write to Community First Credit Union of Florida, Marketing Department, P.O. Box 2600, Jacksonville, FL 32232-0077. Sponsor will process your request within 60 days.
Two (2) potential winners of the Promotion will be selected by random drawing on or about October 15, 2025 by an employee of the Marketing Department at Community First Headquarters from among all eligible entries received. Entrants need not be present to win. Subject to verification of eligibility and compliance with the terms of these Official Rules, the potential winner will be declared the official winner of the Promotion (“Winner”). The decisions of Sponsor are final and binding on all matters relating to this Promotion. All participants selected as potential Winners must comply with all terms and conditions set forth in these Official Rules, and receipt of prize is contingent upon fulfilling all such requirements. Odds of winning depend on the total number of eligible entries received.
Each potential Winner will be notified at the e-mail address, and/or telephone number (in the sole discretion of Sponsor) provided at the time of entry (the "Prize Notification"). In the event that any potential Winner does not respond to any such Prize Notification within seven (7) days of the date of issuance or declines the Prize for any reason, a disqualification will result, the Prize will be forfeited and an alternate potential Winner will be randomly selected from among all remaining eligible entries.
Each potential Winner may be required to submit his/her identification to Sponsor and may be required to execute and return an Affidavit of Eligibility and Release of Liability and, unless prohibited by law, Publicity Release, within five (5) days of the date of issuance to potential Winner. Failure to submit any identification required by Sponsor or to return the required documents within the specified time period, noncompliance with these Official Rules or the return of the Prize (or any portion thereof) or Prize Notification as undeliverable may result in disqualification and Prize forfeiture and alternate potential Winner will be randomly selected from among all remaining eligible entries.
Two (2) Winners of the Promotion will each be awarded one (1) $500 credit to an eligible Community First Credit Union of Florida checking account (“Prize”).
All Prize details shall be determined in the sole and absolute discretion of Sponsor. Winner is fully responsible for any and all applicable federal, state, territory, and local taxes (including income and withholding taxes). All costs and expenses associated with Prize acceptance and use not specified herein as being provided including, but not limited to, lodging, transportation costs, meals, gratuities and other expenses incurred by accepting the Prize are the sole responsibility of the Winner. The Prize is non-transferable and non-assignable, with no cash redemptions except at Sponsor’s sole and absolute discretion. Sponsor reserves the right to substitute the Prize (or any portion thereof) with a prize of comparable or greater value at its sole and absolute discretion. Prize may not be resold or offered for resale or used for any commercial or promotional purpose whatsoever.
The Winner will be announced via social media between October 20, 2025 and October 24, 2025. For the Winner’s name, mail a request and self-addressed stamped envelope to be received within three (3) months of the last day of the Entry Period to: Community First Credit Union, Attn: Refer-a-Friend Sweepstakes Winners List, P.O. Box 2600, Jacksonville, Florida, 32232-0077.
By participating in the Promotion and submitting an entry, each entrant agrees to (a) be bound by these Official Rules, including all entry requirements, and (b) waive any and all claims against and release, indemnify, and hold harmless Sponsor, and its affiliated companies, subsidiaries, officers, directors, employees, agents, licensees, distributors, dealers, retailers, printers, representatives and advertising and promotion agencies, and any and all other companies associated with the Promotion, and all of their respective officers, directors, employees, agents and representatives (collectively, “Released Parties”) for any injury, damage or loss that may occur, directly or indirectly, in whole or in part, from the participation in the Promotion or from the receipt or use of the Prize (or any portion thereof) or any travel or activity related to the receipt or use of the Prize (or any portion thereof). By entering this, each entrant gives his/her express permission to be contacted by Sponsor by telephone, e-mail and/or postal mail for Promotion purposes. The Winner, by acceptance of the Prize, grants to Sponsor, and each of its designees the right to publicize the Winner’s name, address (city and state/territory of residence), photograph, voice, statements and/or other likeness and prize information for advertising, promotional, trade and/or any other purpose in any media or format now known or hereafter devised, throughout the world, in perpetuity, without limitation and without further compensation, consideration, permission or notification, unless prohibited by law. Upon request, Winners must consent to such in writing. All entries (both winning and non‐winning) become the sole property of Sponsor and will not be returned.
Released Parties are not responsible for stolen, late, incomplete, illegible, inaccurate, misdirected, lost, misrouted, scrambled, damaged, delayed, undelivered, mutilated, postage-due or garbled entries, transmissions, e-mail or mail; or for lost, interrupted or unavailable network, cable, satellite, server, Internet Service Provider, wireless network, website, or other connections including those through and/or by any website, availability or accessibility or miscommunications or failed computer, satellite, telephone, cable or wireless transmissions, lines, or technical failure or jumbled, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunctions, failures or difficulties; wireless service congestion; failures or malfunctions of phones, phone lines or telephone systems, wireless towers or cellular tower equipment; any error, omission, interruption, defect or delay in wireless or other transmission, processing, or communication; non-delivery; misdirected, blocked, or delayed e-mail notifications; printing, typographical or other errors appearing within these Official Rules, in any Promotion related advertisements or other materials; or any other errors, problems or difficulties of any kind whether human, mechanical, electronic, network, computer, telephone, wireless service, mail, typographical, printing or otherwise relating to or in connection with the Promotion, including, without limitation, errors or difficulties which may occur in connection with the administration of the Promotion, the processing of entries, the announcement of the Prize or in any Promotion-related materials, or the cancellation or postponement of any event. Released Parties are also not responsible for any incorrect or inaccurate information, whether caused by website users, tampering, hacking, or by any equipment or programming associated with or utilized in the Promotion. Released Parties are not responsible for injury or damage to entrants or to any other person's computer and/or wireless device related to or resulting from participating in this Promotion or downloading materials from or use of the website. Persons who tamper with or abuse any aspect of the Promotion or website or attempt to undermine the legitimate operation of the Promotion by cheating, deception or other unfair playing practices, or intend to annoy, abuse, threaten or harass any other entrant or any representative of Sponsor or who are in violation of these Official Rules, as solely determined by Sponsor, will be disqualified and all associated entries will be void. Any attempt to deliberately damage the content or operation of this Promotion is unlawful and subject to legal action by Sponsor and its respective agents. Sponsor shall have the sole right to disqualify any entrant for violation of these Official Rules or any applicable laws relating to the Promotion, and to resolve all disputes in its sole discretion. Released Parties (a) make no warranty, guaranty or representation of any kind concerning the Prize (or any portion thereof) related to the Prize’s quality, condition, fitness for any purpose, or otherwise, and (b) disclaim any implied warranty. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Sponsor reserves the right, in their sole discretion, to cancel or suspend the Promotion (or any portion thereof) should virus, bugs, unauthorized human intervention, or other causes corrupt administration, security, fairness, integrity or proper operation of the Promotion (or any portion thereof). In the event of cancellation, Sponsor may elect to identify the Winner and award the Prize by way of random drawing from among all non-suspect, eligible entries received up to the time of such cancellation. Sponsor also reserves the right, in its sole discretion, to modify these Official Rules for clarification purposes without materially affecting the terms and conditions of the Promotion. Entries generated by a script, macro or other mechanical or automated means will be disqualified. As a condition of entering this Promotion, each entrant agrees that (i) any and all disputes, claims, controversies or causes of action arising out of or relating to this Promotion, or any prizes awarded (each, a "Claim"), shall be (1) arbitrated on an individual basis only, and shall not be consolidated or joined with or in any arbitration or other proceeding involving a Claim of any other party, and (2) settled by binding arbitration in Duval County, Florida before a single arbitrator appointed by the American Arbitration Association in accordance with its then governing rules and procedures, and judgment on the award rendered by the arbitrator may be entered by any court having jurisdiction thereof; and (ii) under no circumstance will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, consequential or any other damages, other than for actual out-of-pocket expenses. These Official Rules shall be governed by and construed and interpreted in accordance with the laws of the State of Florida. All entry data provided via an online entry form (if applicable) is provided to Sponsor and not to the hosting social media site. Sponsor trademarks, service marks and copyrights are proprietary. All rights reserved.
The Sponsor of this Promotion is Community First Credit Union of Florida, P.O. Box 2600, Jacksonville, Florida, 32232-0077.
These Official Rules are subject to change at any time by Sponsor in its sole discretion and without notice.
NO PURCHASE, ACCOUNT OPENING, ACCOUNT TRANSACTION, OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. PURCHASE DOES NOT INCREASE THE CHANCE OF WINNING