The Island's 2008 member rewards program
2008 will be another "rewarding" year for our members. It will be a year of great loan and certificate rates and fun promotions. Some specials, like Car-a-Month will last for the entire year; some for only a short time. Make sure your keep reviewing your "Go For The Green" booklet for information, valuable coupons, and sweepstakes entry forms. Booklets were mailed to all members in January, but if you don't have yours, pick one up at any branch.
Promotion Rules, and Loan Disclosures
Car-a-Month Sweepstakes
Good throughout 2008
The Island is giving away a hybrid car a month every month this year! You only need to enter once for up to 12 chances to win this high-tech, great-mileage, environmentally friendly automobile.
Free $50 Gift Cards
Available throughout 2008
We'll give you a FREE $50 Island Green gift card—good wherever Visa® is accepted—when you refer a new island member. Refer a member today!
First Pitch Promotion
Enter by March 14
You could be on the mound at Petco Park tossing out the first ceremonial pitch at the April 6 Padres game.
Free iPod nano Sweepstakes
24 giveaways throughout 2008
All members who currently receive e-statements are automatically entered to win one of 24 iPod nanos we'll be giving away this year. Sign up for e-statements today!
Up to 1.25% off Auto Loans
Available May 12 - July 11
As an Island member applying for a new auto loan, we'll lower your rate .50%. And with direct deposit and automatic loan payments, you could lower your special auto loan rate for a total discount of 1.25%!.
Free Cabo Trip Sweepstakes
Enter by June 30
You can win a free, 5-day/4-night trip for two to the Pueblo Pacifica Holistic Retreat and Spa in Cabo San Lucas. It's courtesy of KIFM Smooth Jazz 98.1 and The Island.
Auto Loan Payment Sweepstakes
Good throughout 2008
If you have an Island consumer auto loan, member business auto loan, or auto equity loan, you might have a free payment in your future. There will be 12 winners in 2008. And, best yet, if you already have an Island auto loan, you're automatically entered to win!
1yr Food Co-Op Membership
Available throughout 2008
The Ocean Beach People's Organic Foods Market is member-owned like The Island. With your coupon for a special one year membership, you get access to low prices on organic and natural products.
Free Wedding Gift
Available throughout 2008
Start a new tradition with MatriMoney, The Island's special dividend-bearing savings account that wedding guests, friends, and family can contribute to. Then after opening your MatriMoney account, get a free wedding gift by taking the "Couples & Money Quiz."
Kickoff Kids Promotion
Good during football season
If your child (9-16 years old) is a budding football player or a Chargers fan, here's his or her chance to make the pros! Kickoff Kids charge on to the field after each Chargers kick off to retrieve the kicking tee. And, there's more: two free tickets to a Chargers game, a $1,000 saver certificate, and a Chargers Youth Jersey.
1/4% APY Certificate Bonus
Available September only
Choose any share certificate or IRA certificate and any term; we'll increase the rate by 1/4% APY. Come September, take advantage of this limited time offer by calling the Contact Center, or visiting any Island branch and mentioning this offer.
APY is Annual Percentage Yield. Dividend penalty for early certificate withdrawal.
Skip 1 Auto Loan Payment
Choose October, November, or December, 2008
It's like turning an auto payment into presents for your loved ones during the holiday season. Or use the money any other way you wish. Just pick your month then call the Contact Center or visit any Island branch.
Ten days prior notice required. Interest for the skipped month will continue to accrue. Regular payments will resume the month following the skipped month.
North Island Credit Union
2008 Sweepstakes Rules and Offer Information
Car-a-Month Sweepstakes Official Rules
1. Participation is open to all members of North Island Credit Union (The Island) 18 or older, except its employees, its Board of Directors and officials, its agencies, and subsidiaries, and their family members. Members must be in good standing to enter (have not caused the credit union to incur a loss).
2. NO PURCHASE IS NECESSARY TO ENTER OR TO WIN.
3. All participants must complete an official Car-A-Month Sweepstakes Entry Form, available only in the 2008 Island Rewards booklet. No facsimiles will be accepted. Only one entry per member.
4. Completed form should be deposited in the entry box located at all Island branches, or mailed in a #10 envelope to: Car-a-Month Sweepstakes Entry, P.O. Box 85833, San Diego, CA 92186-5833.
5. Entries must be received by 5 p.m. the last business day of each month to be eligible for that month, and subsequent month, drawing.
6. Winners will be selected, by random drawing, at The Island's administrative headquarters and need not be present to win. Any discrepancy or disputes will be settled by The Island, whose decisions are final.
7. The odds of winning this prize will depend upon the number of eligible entries received.
8. Winners will be notified by e-mail or phone and will receive a 2008 hybrid car. Prize is non-transferable. Any applicable taxes are the sole responsibility of the winner. By accepting this prize, the winner gives The Island permission to use his/her name and likeness in promotion related publicity materials, and releases The Island from any liability connected with prize use.
9. Sweepstakes void where prohibited by law.
10. For a list of the 12 winners' names, send a self-addressed, stamped envelope before March 1, 2009 to: Car-a-Month Sweepstakes Winners, P.O. Box 85833, San Diego, CA 92186-5833.
First Pitch Sweepstakes Official Rules
1. Participation is open to all members of North Island Credit Union (The Island), 9 or older, except its employees, its Board of Directors and officials, its agencies, and subsidiaries, and their family members. Members must be in good standing to enter (have not caused the credit union to incur a loss)
2. NO PURCHASE IS NECESSARY TO ENTER OR TO WIN.
3. All participants must complete an official First Pitch Entry Form, available only in the 2008 Island Rewards booklet. No facsimiles will be accepted. Only one entry per member.
4. Completed form should be deposited in the entry box located at all Island branches, or mailed in a #10 envelope to: First Pitch Promotion Entry, P.O. Box 85833, San Diego, CA 92186-5833.
5. All entries must be received by 5 p.m. Friday, March 14, 2008.
6. Winner will be selected at The Island's administrative headquarters and need not be present to win. Any discrepancy or disputes will be settled by The Island, whose decisions are final.
7. The odds of winning this prize will depend upon the number of eligible entries received.
8. Winner will be notified by e-mail or phone and will receive four tickets to the Sunday, April 6, 2008 Padres vs. Dodgers home game at 1:05 p.m.; along with the opportunity for one person to throw out a ceremonial first pitch at this game. Prize is non-transferable. Any applicable taxes are the sole responsibility of the winner. By accepting this prize, the winner gives The Island and the San Diego Padres permission to use his/her name and likeness in promotion-related publicity materials, and releases The Island and the Padres from any liability connected with prize use.
9. Sweepstakes void where prohibited by law.
10. For the winner's name, send a self-addressed, stamped envelope before May 1, 2008 to: First Pitch Sweepstakes Winner, P.O. Box 85833, San Diego, CA 92186-5833.
iPod nano Sweepstakes Official Rules
1. Participation is open to all members of North Island Credit Union (The Island), except its employees, its Board of Directors and officials, its agencies, and subsidiaries, and their family members. Members must be in good standing to enter (have not caused the credit union to incur a loss). Member is not presently, nor has not been within the last 90 days, delinquent on any North Island Credit Union loan.
2. NO PURCHASE IS NECESSARY TO ENTER OR TO WIN.
3. Participation is open to all members of North Island Credit Union (The Island), except its employees, its Board of Directors and officials, its agencies, and subsidiaries, and their family members. Members must be in good standing to enter (have not caused the credit union to incur a loss). Member is not presently, nor has not been within the last 90 days, delinquent on any North Island Credit Union loan.
4. To request an official entry form, send your name, address and phone number in a #10 envelope with First Class Postage affixed to: Island iPod Nano Sweepstakes Entry Form, P.O. Box 85833, San Diego, CA 92186-5833. You will receive an official entry form by return mail. Limit one entry form per outer mailing envelope. No mechanically reproduced entries permitted.
5. Completed entry forms can be submitted to any Island branch or mailed to Island iPod Nano Entries, P.O. Box 85833, San Diego, CA 92186-5833. Entries must be received by 5 p.m. the last business day of each month to be eligible for that month, and subsequent month, drawings.
6. Winners will be selected, by random drawing, at The Island's administrative headquarters and need not be present to win. Any discrepancy or disputes will be settled by The Island, whose decisions are final.
7. The odds of winning this prize will depend upon the number of eligible entries received.
8. Winners will be notified by e-mail or phone and will receive one iPod nano. Prize is non-transferable. Any applicable taxes are the sole responsibility of the winner. By accepting this prize, the winner gives The Island permission to use his/her name and likeness in promotion-related publicity materials, and releases The Island from any liability connected with prize use.
9. Sweepstakes void where prohibited by law.
10. For a list of the 24 winners' name, send a self-addressed, stamped envelope before March 1, 2009 to: iPod Nano Sweepstakes Winners, P.O. Box 85833, San Diego, CA 92186-5833.
Cabo Trip Sweepstakes Official Rules
1. Participation is open to all members of North Island Credit Union (The Island), 18 or older, except its employees, its Board of Directors and officials, its agencies, and subsidiaries, and their family members. Members must be in good standing to enter (have not caused the credit union to incur a loss).
2. NO PURCHASE IS NECESSARY TO ENTER OR TO WIN.
3. All participants must complete an official Free Trip to Cabo Spa Entry Form, available only in the 2008 Island Rewards booklet. No facsimiles will be accepted. Only one entry per member.
4. Completed form should be deposited in the entry box located at all Island branches, or mailed in a #10 envelope to: Free Trip to Cabo Promotion Entry, P.O. Box 85833, San Diego, CA 92186-5833.
5. All entries must be received by 5 p.m. Monday, June 30, 2008.
6. Winner will be selected, by random drawing, at The Island's quarters and need not be present to win. Any discrepancy or disputes will be settled by The Island, whose decisions are final.
7. The odds of winning this prize will depend upon the number of eligible entries received.
8. Winner will be notified by e-mail or phone and will receive two roundtrip coach airline tickets to Cabo San Lucas, and four nights in Junior Suite accommodations at Pueblo Bonito Pacifica Holistic Retreat and Spa. Winner must complete travel by December 4, 2008. Certain blackout dates may apply. Prize is non-transferable. Any expenses beyond those listed, and any applicable taxes, are the sole responsibility of the winner. By accepting this prize, the winner gives The Island and KIFM permission to use his/her name and likeness in promotion-related publicity materials, and releases The Island and KIFM from any liability connected with prize use.
9. Sweepstakes void where prohibited by law.
10. For the winner's name, send a self-addressed, stamped envelope before September 1, 2008 to: Free Trip to Cabo Sweepstakes Winner, P.O. Box 85833, San Diego, CA 92186-5833.
Auto Loan Payment Sweepstakes Official Rules
1. Participation is open to all members of North Island Credit Union (The Island) 18 or older, except Island employees, its Board of Directors and officials, its agencies, and subsidiaries, and their family members. Members must be in good standing to enter (have not caused the credit union to incur a loss). Member is not presently, nor has been within the last 90 days, delinquent on any North Island Credit Union loan.
2. NO PURCHASE IS NECESSARY TO ENTER OR TO WIN.
3. All members with Island auto loans (recreational vehicles excluded) are automatically entered to win. Members who do not have an Island auto loan can enter by completing an official Auto Loan Payment Sweepstakes Entry Form, available only by mail from The Island. No facsimiles will be accepted. Only one entry per member.
4. To request an official entry form, send your name, address and phone number in a #10 envelope with First Class Postage affixed to: Island Auto Loan Sweepstakes Entry Form, P.O. Box 85833, San Diego, CA 92186-5833. You will receive an official entry form by return mail. Limit one entry form per outer mailing envelope. No mechanically reproduced entries permitted.
5. Completed entry forms can be submitted to any Island branch or mailed to Island Auto Loan Sweepstakes Entries, P.O. Box 85833, San Diego, CA 92186-5833. Entries must be received by 5 p.m. the last business day of each month to be eligible for that month, and subsequent month, drawings.
6. Winners will be selected, by random drawing, at The Island's administrative headquarters and need not be present to win. Any discrepancy or disputes will be settled by The Island, whose decisions are final.
7. The odds of winning this prize will depend upon the number of eligible entries received.
8. Winners will be notified by e-mail or phone and will have their North Island Credit Union consumer auto loan, member business auto loan, or auto equity loan monthly payment made by The Island (up to two auto loan payments per household, or $1,000, whichever is less). Prize is non-transferable. Any applicable taxes are the sole responsibility of the winner. By accepting this prize, the winner gives The Island permission to use his/her name and likeness in promotion-related publicity materials, and releases The Island from any liability connected with prize use.
9. Sweepstakes void where prohibited by law.
10. For a list of the 12 winners' names, send a self-addressed, stamped envelope before March 1, 2009 to: Auto Loan Payment Sweepstakes Winners, P.O. Box 85833, San Diego, CA 92186-5833.
Skip a Payment Offer
To take advantage of this offer, member must be in good standing (has not caused the credit union to incur a loss). Member is not presently, or within the last 90 days has not been, delinquent on any North Island Credit Union loan. Offer is subject to credit union approval and applies to new and used automobile loans only (auto equity loans, member business auto loans, and recreational vehicle loans are excluded). Your election to skip a payment may extend your loan term. Other restrictions may apply.
Up to 1.25% Off Auto Loan Offer
Loans are subject to credit approval. Your overall credit worthiness will determine the interest rate available to you; discounts are subtracted from this rate. A .50% discount will be given for auto loans initiated from 5/12/08 through 7/11/08. Another .50% will be deducted if you direct deposit at least $400 per month into an Island Checking account. And .25% will be deducted if you use automatic payments from your Island Checking account to repay your auto loan. 72-month term requires a $15,000 minimum loan amount. Other terms are available. Offer applies to autos, vans, trucks, and sport utility vehicles model year 2002 or newer (excludes all Daewoo models). Recreational vehicles, business vehicles, and existing North Island Credit Union loans are not eligible for this offer (other financing options are available).
Kickoff Kids Sweepstakes Official Rules
1. Participation is open to all children age 9 through 16 (at the time the name is drawn), except family members of North Island Credit Union (The Island), its employees, its Board of Directors and officials, its agencies, and subsidiaries.
2. NO PURCHASE IS NECESSARY TO ENTER OR TO WIN.
3. All participants must complete an official Kickoff Kids Entry Form. No facsimiles will be accepted. Only one entry per child per season.
4. Completed forms should be deposited in the entry box located at all Island branches, or mailed in a #10 envelope to: Kickoff Kids Promotion Entry, P.O. Box 85833, San Diego, CA 92186-5833.
5. A total of 10 winners will be chosen from all entries received. Each winner will be selected by random drawing 10 days before every Chargers home game. The winning child will receive two tickets to the game (one for the child and another for a parent or guardian) and will be designated the game's Kickoff Kid. The Kickoff Kid retrieves the kicking tee after every Chargers kickoff. The winning child also will receive a Chargers Youth Jersey and a 1-year $1,000 saver certificate.*
6. Winners will be selected at The Island's administrative headquarters and need not be present to win. Any discrepancy or disputes will be settled by The Island, whose decisions are final.
7. The odds of winning this prize will depend upon the number of eligible entries received.
8. Winners will be notified by e-mail or phone. Prizes are non-transferable and any applicable taxes are the sole responsibility of the winner. By accepting this prize, the winner gives The Island and the San Diego Chargers permission to use his/her name and likeness in promotion-related publicity materials, and releases The Island and the Chargers from any liability connected with prize use.
9. Sweepstakes void where prohibited by law.
10. For a list of winners, send a self-addressed, stamped envelope before January 1, 2009 to: Kickoff Kids Sweepstakes Winners, P.O. Box 85833, San Diego, CA 92186-5833.
* $1,000 saver certificate carries a 180-day dividend penalty for early withdrawal.
MatriMoney accounts are dividend-bearing joint savings accounts that are available to couples planning to be married. Both parties must be present to open the account with a minimum deposit of $200. Please refer to our Deposit Account Agreement & Disclosure, and the Schedule of Rates, Fees and Charges for full details on Island products and services.