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Welcome to the 2025-26 Caro Cares Challenge

Join us for the Caro Cares Challenge—a high-energy financial transformation series where real people tackle real money challenges for real cash rewards

Each week, we’ll highlight their progress across blog updates, local media, and social channels. At the end of this journey, one game-changing transformation will earn the grand prize of $3,000!*

Now Accepting Applications for Our Inaugural Season!

Think you’ve got what it takes to transform your finances and inspire others while doing it?

Ready to Sign Up?
Check Your Eligibility!

Three individuals or families will be selected to compete head-to-head in weekly challenges that deal with debt, boost savings, and build real financial confidence. With guidance from expert Caro Financial Coaches, each contestant will learn practical skills and put them to the test in real-world scenarios.

Weekly Challenges To:

  • Deal with Debt
  • Boost Savings
  • & Fuel Financial Confidence!

Want to Participate at Home?

  • Follow Along Online
  • Sit down with a Caro Coach
  • & See If You Can Meet the Same Goals & Challenges!

Ready to Cheer Them on, or Do You Have What It Takes to Compete?

As these financial journeys inspire a community, you’ll witness how discipline, coaching, and the right mindset creates lasting change—for both our contestants and those around them!

Toss Your Hat in the Ring!
Got Questions? Get Answers!

Caro Cares Challenge Application

Welcome to the Caro Cares Challenge application!

Your application should be completed and submitted in ONE (1) session. To complete your application, you will be asked to provide:

  • Your Name
  • Current Contact Information
  • Your Residence/Home Address
  • Any Social Media Handles
  • A Current Photo of Yourself
  • A Summary of Your Financial Situation/Goals
  • A Commitment to Meet with Caro Staff

For information about how we use the personal information you provide during this application process, please visit the Participation Rules & Eligibility Requirements page, or contact Caro directly.

Ready to get started?

  • Name & Contact Information


  • More About You

  • Drop files here or
    Max. file size: 50 MB.

    • Image upload failure may void entry application. For best results, please ensure your image file is less than 5MB and in one of the following formats: png, jpeg, jpg, gif.


    • Tell Us Your Financial Story:

      We're trying to get an understanding of your current situation, including income, expenses, debts and specific objectives. Ultimately, this should be about your long term goals and what you aim to achieve through this program.

    • Drop files here or
      Max. file size: 50 MB.

      • What Is Your Commitment Level?

        Applicants will be required to engage in regular sessions with a financial coach and willing to implement their recommendations. Contestants will also need to be willing to share their financial journey publicly, as the program involves media features and social media updates to inspire others. Are you all in? Tell us more!

      • Drop files here or
        Max. file size: 50 MB.

        • Are You on Social Media?

          Please provide links, usernames, or handles to any applicable social platforms you actively use.

        • Agree & Submit

          By completing and submitting this application, you acknowledge that you have read and understood our Participation Rules & Eligibility Requirements, that you consent to our use of your personal information in accordance thereof, and that the information provided above is true and accurate to the best of your knowledge?

        To be considered, applicants must meet all eligibility requirements. For eligibility rules and requirements, please visit Participation Rules & Eligibility Requirements.

        For additional questions, please contact Caro Federal Credit Union directly.

         

        *$3,000 grand prize will be selected based on the individual or family that earns the most points during the contest. Not all applicants will be chosen to participate. The winner is selected at the sole discretion of the credit union. All decisions are final and are not subject to appeal or dispute. For participation rules, visit smartcaro.org/rules. Caro Federal Credit Union reserves the right to extend, alter, or cancel this contest at any time without notice. See credit union for details. Federally insured by NCUA.

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