Every Swipe is a Chance to Win!

Every swipe could score you $500! Our Spend & Score Sweepstakes runs during select months throughout the year.

No signup needed, just use your Coloramo Visa debit or credit card to be automatically entered to win. The more you use your card, the more chances you have to win!

💵 You could win $500!

💳 One swipe = One entry

👇 View official rules below

Don't have a Coloramo card? Open one today and start swiping!

Apply Now

Coloramo Federal Credit Union Official Rules for the Spend & Score Sweepstakes:

This Sweepstakes is intended for viewing and participation in the fifty (50) United States and is void where prohibited by state and federal law if applicable. NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCE OF WINNING.

Eligibility: To be eligible to win, participants must meet the following criteria:

  • Be a member in good standing with Coloramo Federal Credit Union defined as:

    • No delinquent loans.

    • No charged off accounts or loans.

    • No overdrawn or negative accounts exceeding 15days.

    • No other account restrictions.

  • Hold a share draft account.

  • Possess a valid debit or credit card.

  • Be at least 18 years of age.

  • Consent to the use of their name and photograph for promotional purposes if selected as a winner.

  • No Board Member, Supervisory Committee Member, or Team Member and their immediate family members are eligible to participate, nor have their name listed on any winning account.

How to Enter:

  • Automatic Entry: Each qualifying debit or credit card transaction during the respective monthly entry period automatically earns one entry into the sweepstakes.

  • Alternative Method of Entry: No purchase or transaction is necessary to enter or win and purchases or transactions do not affect your chances of winning. To enter without a transaction mail a on a 3 x 5 inch card, with the following information will count as one entry. Only one entry per envelope.  Each entry must be original and not a copy. Mail-in entries must be postmarked by the last day of the respective month and received by 5 days after month-end to be eligible for that month's drawing. These additional entry methods are subject to the Official Rules for the Sweepstakes including (but not limited to) any and all eligibility and registration requirements, as well as any limitation on the total number of entries which may be earned across all entry methods. Entries must be legible and complete.

    • Name

    • Account Number

    • Phone Number (with area code)

    • Date of Birth

    • Email Address

    • Date

    • Signature

    • Month entry is for.

    • Description: “Coloramo Spend and Score Sweepstakes, Free to Enter”

    • Mail to:

      • Coloramo FCU

      • 516 28 Road, Grand Junction Co 81501

      • Attn: Marketing Department

  • Promotional Period:

    • The sweepstakes begins on May 1st, 2025 at 12:00 AM MST and ends on December 31st, 2025 at 11:59 PM MST (“Promotion Period”). The Promotion Period is divided into monthly entry periods as follows:

      • May 1 – May 31st, 2025: One winner will be selected for May.

      • June 1 – June 30, 2025: One winner will be selected for June.

      • July 1 – July 31, 2025: One winner will be selected for July.

      • August 1 – August 31, 2025: One winner will be selected for July.

      • November 1 – November 30, 2025: One winner will be selected for November.

      • December 1 – December 31, 2025: One winner will be selected for December.

    • Entries are eligible only for the drawing in the month they are received. Non-winning entries will not roll over to subsequent months. A separate drawing will take place for each month’s entry period.

Prize Details:

  • Monthly Prize(s):

    • One winner will be awarded a $500 prize each month during the promotion period (May, June, July, August, November, & December 2025).

  • Total Prizes:

    • Maximum of six (6) prizes distributed (six $500 prizes, equivalent to approximately $3,000).

  • Prize Conditions:

    • The $500 prize is considered taxable income under federal and state tax laws. The winner is responsible for reporting the prize on their tax return. A 1099 form will be issued by Coloramo for tax reporting purposes, as required by law.

    • Winners will have their photo taken with a ceremonial “big check” for promotional purposes. The check remains the property of Coloramo Federal Credit Union and will not be given to the winner.

    • The prize will be distributed via direct deposit to the winner's Coloramo account.

    • By participating in the sweepstakes, participants agree that Coloramo Federal Credit Union may use their name, photograph, and likeness for promotional purposes without additional compensation or prior notice.

    • All prizes are non-transferable and non-exchangeable for cash or other alternatives.

Odds of Winning:

  • The odds of winning depend on the total number of eligible entries received during the respective monthly entry period.

  • Entries received via mail have the same chance of winning as automatic entries.

Winner Selection:

  • One winner will be randomly selected from all eligible entries received during each monthly entry period. Drawings will be conducted on or about the 15th business day of the following month. Members must have a valid phone number and email address on file to be eligible to win. Winners will be notified via email or phone associated with their account and must respond within 10 days to claim their prize. If a winner cannot be contacted or fails to respond, an alternate winner may be selected.

Legal Disclosures:

  • Coloramo Federal Credit Union is not responsible for:

    • Technical errors, network failures, or unauthorized access affecting entry submission.

    • Any claims, losses, or damages arising from participation in the contest or acceptance of the prize.

  • Conditions of Entry

    • By participating, entrants agree to:

      • Comply with all contest rules and decisions made by Coloramo Federal Credit Union.

      • Allow the use of their name and likeness for promotional purposes without additional compensation, unless prohibited by law.

      • Coloramo Federal Credit Union reserves the right to disqualify entries that violate these rules.

  • Other Terms

    • Contest void where prohibited.

    • Rules subject to change without notice.

  • Release and Limitation of Liability

    • By participating, entrants release and hold harmless Coloramo Federal Credit Union, its employees, Board Members, affiliates, and all Sweepstakes Entities from any liability arising from participation or acceptance of the prize. Entrants agree to the fullest extent permitted by law to:

      • Indemnify and Release: Sweepstakes Entities are not liable for any claims, actions, losses, liabilities, costs, or damages, including attorney fees, arising from participation, prize acceptance, possession, or use/misuse of the prize or related activities.

      • Comprehensive Waiver: This includes (but is not limited to) compensatory, direct, indirect, or consequential damages; loss of data, income, or property; and third-party claims.

      • No Warranties: Sweepstakes Entities make no warranties (express or implied), including those of merchantability, fitness for a particular purpose, or title. They are not responsible for website interruptions or errors.

      • Statutory Rights: Nothing in these rules excludes or limits liability for personal injury, death caused by negligence, or fraud where prohibited by law.

  • Conditions of Participation

    • Violation of Rules: Coloramo Federal Credit Union reserves the right to disqualify any entrant who violates these rules, promotional guidelines, or interferes with the Sweepstakes.

    • Automated Entries: Use of bots, brute force attacks, or automated entry devices is strictly prohibited. Entries from such methods or associated IP addresses will be disqualified.

    • Intellectual Property: Entrants waive claims relating to publicity rights, defamation, invasion of privacy, copyright, trademark infringement, or other intellectual property issues tied to their entry.

    • By entering, entrants agree to comply with all rules and decisions made by Coloramo Federal Credit Union.

    • Promotions: Entrants consent to the use of their name and likeness for promotional purposes without additional compensation, unless prohibited by law.

    • Disqualification: Entries that violate the rules may be disqualified.

  • General Provisions

    • Failure to enforce any term of these rules does not constitute a waiver. Coloramo Federal Credit Union reserves the right to terminate eligibility for any entrant who violates these provisions or attempts to manipulate the Sweepstakes.

    • Void Where Prohibited: Contest void where prohibited.

    • Rule Changes: Rules are subject to change without notice.

    • Sweepstakes Changes: Coloramo Federal Credit Union reserves the right to cancel or modify the Sweepstakes if fraud, technical issues, or force majeure events occur.

    • Conflict Resolution: In the case of any conflict, the official rules shall prevail over any promotional materials.

    • Technical Errors and Liability: Coloramo Federal Credit Union is not responsible for technical errors, network failures, unauthorized access, or any claims, losses, or damages arising from participation or acceptance of the prize.

  • Legal Validity: If any provision is found invalid, the remaining terms will still apply.

  • Sweepstakes Sponsor: This Sweepstakes is sponsored solely by Coloramo Federal Credit Union, 516 28 Road, Grand Junction, CO 81501.

Privacy & Marketing:

  • Any personal information collected during the promotion will be used solely for administering the sweepstakes and contacting winners.

  • Participants will automatically enroll in marketing communications unless they opt in separately.

  • Personal data will be handled in accordance with Coloramo Federal Credit Union’s privacy policy and will not be shared with third parties without consent.

  • Account Information Disclosure: Coloramo Federal Credit Union will never ask for your financial information as part of your entry into the Spend and Score Sweepstakes, other than your account number, which is necessary for verification purposes.

Exclusions and Disqualification Criteria:

  • Conflict of Interest:

    • Employees, Board Members, Supervisory Committee Members, and their immediate family members are ineligible to participate or win.

    • Any account associated with these individuals is also ineligible.

  • Disqualification Criteria - Participants will be disqualified if:

    • Their membership is not in good standing (e.g., delinquent loans, overdrawn accounts, or account restrictions).

    • They fail to respond to prize notifications within the specified timeframe.

    • They provide invalid or false contact information, such as an email address or phone number.

Void Where Prohibited:

  • This sweepstakes is void where prohibited by law. It is the responsibility of participants to ensure they comply with all local, state, and federal regulations.