Cooperative Credit Union Association, Inc.
Massachusetts Credit Unions


The contest rules and eligibility requirements for participants are as follows:

  • Only students currently in the seventh and eighth grades are eligible to participate.
  • Students must be Massachusetts residents.
  • Schools must be located in Massachusetts.
  • Students must be sponsored by a member credit union in good standing with the Association.
  • All essays must be handwritten by the student.
  • Essays should be no more than 250 words in length.
  • Only one essay per student may be submitted. Each student may be sponsored by only one credit union.
  • Each essay should include the student’s name and grade level, home address, school name, teacher’s name, principal’s name and sponsoring credit union. (A standard essay form has been provided.)
  • Essays will be judged on the following criteria:
    • Originality
    • Content
    • Neatness
    • Grammar/Spelling
  • Deadline to submit essay is January 24, 2022


There will be eight (8) top winners with the following awards:

  • First Prize (1) – $500
  • Finalists (7) – $250
  • Honorable Mention winners (10) – $50

The decision of the Association’s committee is final.

Winners will be announced in late March/early April.

The awards ceremony will be scheduled for May 20, 2022.

Download 2022 Essay Form