The biggest auto event of the season is here.
The Holiday DRIVE Event has arrived at SMW. Between November 1 and December 31, 2026, we’re making it a little more exciting for anyone with a vehicle on their end-of-year check list. Close a qualifying auto loan or refinance an existing auto loan with SMW during the event and you’ll automatically be entered for a chance to win $500 cash.*
Want to wrap up the year with a win? See what we have to offer.
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Whether you’re just starting to look at vehicles or you love your current vehicle but not the loan attached to it, our Holiday DRIVE Event is open to all members.
New ride. Better rate. A shot at $500.
During the Holiday DRIVE Event, qualifying auto loans include new vehicle purchases, used vehicle purchases, and auto loans refinanced from another financial institution. Close your qualifying loan between November 1 and December 31, 2026, and your entry into the $500 cash giveaway happens automatically.*
- One eligible member selected at random after the Holiday DRIVE Event ends.
- $500 deposited directly into their SMW Share Savings Account.*
- Qualifying auto loans must close by December 31, 2026, to receive an automatic entry into the $500 cash giveaway.*
Already have an auto loan somewhere else?
Your vehicle doesn’t have to be new for your loan to join the Holiday DRIVE Event. If your current auto loan is with another lender, refinancing it with SMW during the promotional period qualifies for an automatic entry, too.*
It’s worth seeing how your current loan stacks up. Our team can walk through your rate, payment, and remaining term with you and help determine whether refinancing with SMW makes sense.
NO PURCHASE NECESSARY TO ENTER OR WIN. Promotion runs November 1 through December 31, 2026. Open to SMW Financial Credit Union members age 18 or older. Members who close a qualifying auto loan with SMW Financial Credit Union during the promotional period will automatically receive one entry into the $500 cash giveaway. A qualifying auto loan includes a new or used vehicle loan for a new purchase or a vehicle loan refinanced from another lender. To enter without obtaining an auto loan, mail a postcard containing your full name, mailing address, phone number and email address to SMW Financial Credit Union, Lino Lakes, MN. Mail-in entries must be received by December 31, 2026. Limit one entry per member, regardless of entry method. One winner will be selected at random from all eligible entries received and will receive a $500 cash prize deposited into their SMW FCU Share Savings Account. Odds of winning depend on the number of eligible entries received. Loan applications are subject to credit approval and lending guidelines. Rates and terms are based on creditworthiness and other qualifying factors. Cash prize may be subject to applicable federal and state taxes. Employees, officials, volunteers and their immediate family members are not eligible. Additional restrictions may apply. See SMW Financial Credit Union for complete Official Rules. Federally insured by NCUA.