You Could Be a Lucky Duck!


Lucky Savers logo Lucky Savers is a savings account – with serious benefits! It's a special share certificate at Visions that helps you build your savings while also giving you chances to win.

You seriously have nothing to lose – and everything to win! Not everyone will win a prize, but with regular deposits into your Lucky Savers account all year you are guaranteed to end up with more money saved than when you started.

How to Play and Win!

Automatic Entry

Every time you save $25 in a Lucky Savers certificate, you get another chance to win – up to 10 chances every month. Plus, all the money you deposit into the Lucky Savers account is still yours, plus dividends.

Quarterly Prizes

The real prize is the savings account you will build with regular deposits each month. But to sweeten the pot, there are quarterly prizes of up to $5,000, to be awarded throughout the year. Plus, the potential to win hundreds of dollars in cash with our monthly drawings.

Lucky Savers winners holding giant checks.

Lucky Savers FAQs

What Is A Lucky Savers Certificate?

A Lucky Savers certificate is a share certificate issued by Visions. What’s a share certificate? Think of it as a time-based savings account, where your rate of return is based on your term length. In general, the longer the term, the higher your rate. A Lucky Saver is a 12-month certificate, meaning you’ll earn more than you would in a regular savings account, plus you’ll have the opportunity to win cash prizes!

What Kind of Prizes Are Available?

There are two types of drawings available: those at the statewide level and those exclusive to Visions members. While the statewide drawings encompass all the credit unions that participate in the program, the Visions drawings are restricted to our members only.

How Are My Prize Entries Calculated?

Each month, we’ll look at your current Lucky Savers balance as compared to the previous month’s balance. You’ll receive one entry for every $25 increase. For example, if your Lucky Savers balance increases by $50, you will receive two prize entries for the month. It would take $250 to max out your entries at 10. Those prize entries will also be added into the quarterly prize drawing, giving you additional chances to take home the $5,000 prize!

Can I Withdraw Money from My Certificate?

Yes, you are allowed to take one withdrawal from your Lucky Savers account in the 12-month period. A $25 withdrawal fee will apply. Additional fees may apply based on the share certificate agreement.

How Do I Open an Account?

Simply request a 12-month Lucky Savers share certificate and make an opening deposit of $25. Your initial deposit is your first step to saving and is your first entry into the monthly and quarterly prize drawings. As you continue to make additional deposits into the account, you will accumulate more entries in the monthly and quarterly prize drawings. To win a prize, account holders must be 18 years or older and have an account that is open through the drawing period.

How Many Winners Are There?

The number of winners depends on the type of drawing. At the statewide level, there can be multiple winners per month, but only one winner for each quarterly amount. For the Visions drawings, we guarantee one lucky winner every month and quarter!

Additional Information

The Fine Print

*APY = Annual Percentage Yield. Credit union membership required with a $1 minimum deposit – certain restrictions apply. Check with a Visions representative for eligibility details. Members must be 18 years of age or older. Must have valid U.S. Social Security number. Members cannot participate in the Lucky Savers program at more than (1) participating credit union. Accounts must be opened in a NJ, NY, or PA office or through our Contact Center at 800.242.2120. Void where prohibited by law. Official rules and a complete list of prizes are available at or at any Visions location. Prize values are reportable for tax purposes. 12-month term. Visit for current rate information. Federally insured by NCUA.

Official Rules

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