WINcentive® Savings.
Because Cash Prizes Rule.
Why just build your savings, when you can save AND be entered in drawings for cash prizes at the same time? Talk about a win-win.
How a WINcentive® Savings Account* Works:
Open an account.
Open a new account to start saving with as little as $5!
Make deposits for drawing entries.
Each month, earn one entry to win for every $25 you save!**
Maximize your chance to win by saving at least $100 each month.**
Save for a year.
Cross your fingers and hope to WIN! You have multiple chances to win throughout the year.
The prize pool consists of:
- 25 Monthly drawings of $50
- 3 Quarterly drawings of $500
- 3 Annual drawings of $1,000
Watch your savings grow.
Watch your savings grow over time in your account!
Each year, you may withdraw funds from your WINcentive penalty-free during your anniversary month.
Use the savings to invest in a high-yield account, go on vacation, make a down payment on a car-it’s up to you!
*Account pays an Annual Percentage Yield of 0.10%. A minimum deposit of $25 is needed to be entered to win. Potential winnings would be awarded after the first $25 deposit. Winners will be paid on a monthly, quarterly and annual basis. Conditions/Restrictions Apply.
To qualify to win a WINcentive drawing, the following requirements must be met:
- Credit union member must be in good standing
- Limited to 1 WINcentive account per person
- Member must be a resident of Delaware, Virginia, New Jersey (18+), or Maryland
- Business and trust accounts, or other non-member accounts, are not eligible
- WINcentive account must be open and active to win during drawing period
- Each member may only win once per drawing pool; for example, an account holder, regardless of the number of entries, may only win 1 monthly state-wide drawing per month, and 1 quarterly state-wide drawing per quarter.
- Prize amounts are estimates and may be changed from time to time.
One penalty-free withdrawal during anniversary month:
After a member has reached their 12-month anniversary date from account opening, they may make one penalty-free withdrawal from the account during the anniversary month.
- For example, if someone opens a WINcentive on October 24, 2023, they have all of October 2024 to exercise their one-time penalty-free withdrawal.
After 12 consecutive months of saving, the account will automatically roll-over to a new 12-month savings period. As a reward for saving, the balance will also reset to zero at the beginning of the new program savings period. The member will earn entries in the new month based on the current new balance.
- For example, if someone has a $100 balance in their WINcentive at the end of their 12-month anniversary and they choose to continue to leave the balance in the account, they will have already earned their 4 qualifying entries for the upcoming month’s drawing.
Maximum of two withdrawals per 12-month period (fees apply):
Early withdrawals made during the 12-month savings period prior to the anniversary date are subject to penalties as follows. Note: Fees can reduce earnings.
- First withdrawal: $10
- Second withdrawal: $25
- Third withdrawal: Account closure is required (no penalty); all entries forfeited.
Account Closure
An account can be closed at any time. If an account is closed, the member is ineligible to open another WINcentive Account for a period of 90 days and all entries earned to that point are also forfeited upon closure.
**See Member Participant Agreement for full terms and conditions.
Ready to Start Winning Cash?
If you’re a Member of Del-One FCU, you can start saving – with 25 or more chances to win cash each month!
Build Better Saving Habits with WINcentive® Savings
Saving money is easier when you have a system and a little extra motivation. A WINcentive® savings account helps you build better saving habits by rewarding consistency, not just balance.
Every time you make a deposit, you are not only growing your savings, you are reinforcing a routine. That consistency is what turns short-term efforts into long-term financial habits. Follow these tips for a strong start to your savings:
- Start small and stay consistent
With a low opening deposit and flexible contributions, it is easy to begin and keep going. - Turn saving into a routine
Monthly deposits help create automatic saving behavior, whether you are building an emergency fund or planning for future expenses. You can also set up automated account transfers, allowing you to save without doing a thing! - Stay motivated with built-in rewards
Each $25 deposit earns entries into cash prize drawings, giving you an extra reason to keep saving regularly.
For savers in Delaware, WINcentive® offers a simple, engaging way to stay on track. Instead of wondering how to start saving money, you have a clear path to follow, and rewards along the way.
Savings FAQs
A WINcentive® savings account is a special type of savings account that rewards you for making regular deposits. Each time you save in increments of $25, you earn entries into drawings for cash prizes, while still earning dividends on your balance.
Most members benefit from making monthly deposits, often completed automatically through account transfers they set up in advance. Saving at least $25 at a time helps you earn entries into drawings and keeps your savings growing steadily.
Yes. With a low opening requirement and simple structure, it is a great prize-linked savings account for beginners who want to start saving money and stay consistent.
WINcentive® can help you build an emergency fund by encouraging regular deposits. However, because withdrawals are limited, some members also pair it with a more flexible option like a Rainy Day Savings Account.
WINcentive® accounts earn dividends while also giving you the opportunity to win cash prizes. You can view current savings account rates here.
It depends on your goals. A WINcentive® account is ideal if you want motivation to save consistently. A traditional or high-yield savings account may offer higher rates, but does not provide prize incentives.
Yes. Many members use multiple savings accounts to stay organized. For example:
- Save for vacations with a Holiday/Vacation Savings Account.
- Build a backup fund with a Rainy Day Savings Account.
- Plan for education with an Education Savings Account.
Yes, we offer Christmas Club and Vacation Club accounts.
All rates are subject to change. To find the current savings interest rates, click here.
Competitive dividends on balances of $100 or more will boost your balance, so you can reach your savings goals faster.
To establish a Del-One membership, every membership requires a Regular Share Savings Account that you can open with as little as $5.
To find a list of current rates, please visit the Share Rates page. All rates are subject to change.
All Del-One fees are subject to change and are updated regularly to provide members with the best value possible. Find a list of current fees and service charges on the Fee Schedule.
Yes! We offer special savings accounts specifically for Youth / Students such as Student Checking, Youth Program and Coverdell ESA.
Yes, we do! Get on the fast track to your dream with our Coverdell Education Savings Account!
The credit union doesn’t offer savings bonds at this time.
YOU MAY ALSO BE INTERESTED IN...
Helping Members Reach Their Goals
Since 1960
Del-One Federal Credit Union
