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Our branches will be closed Monday, October 12 in observance of Columbus Day. As always, you can still manage and access your accounts online.

Small Change

Small Change
Turn Small Change Into Big Possibilities

Your spare change can do more than you think. With our Small Change program, every debit card purchase is automatically rounded up and deposited into your savings. Because everyone's financial goals are different, you can customize how you save by choosing a standard round-up or adding an extra $1–$5 to every purchase. It's an easy, automatic way to make small changes that add up to bigger possibilities. Here’s how.

Step One: Choose Your Savings Style

Standard Round Up - Every purchase rounds up to the nearest dollar. For example, if your purchase is $5.25, the amount will be rounded up to $0.75. That seventy-five cents will be deposited into your savings.

Round Up + Extra - You can add an extra $1, $2, $3, $4, or $5 to every transaction, plus the amount rounded up to the nearest whole dollar. For example, if your purchase is $5.25 and you choose to add $2 to every round-up transaction, $2.75 will be automatically deposited into your savings.

Step Two: Choose Where Your Savings Go

Savings Account - Build your everyday savings with every debit card purchase. Your round-ups are automatically deposited into your primary savings account, making it easy to grow your balance over time while keeping your money readily available.

Small Change 3-Month Savings Certificate - Put your pennies to work in a dedicated Small Change 3-Month Certificate. Your automatic round ups are deposited into this certificate, helping you build savings in a separate account designed to keep your goals front and center while earning 3.00% APY.*

Ready To Start Saving?

Every little bit adds up. A few cents here. A couple of dollars there. Before you know it, your transactions have helped you build something bigger. Small Change makes it easy to save consistently and move toward your financial goals. Contact your local branch, call us at 800.728.8943, or use our online chat to add this option to your account.

Contact Your Branch

Disclosure: Small Change is available on eligible checking accounts with a debit card. Round-ups to the next whole dollar apply to applicable POS and recurring debit card transactions, not ACH transactions. Members may select an additional fixed whole-dollar amount of up to $5 for each applicable POS debit card transaction. The total round up amount is transferred at the end of the day to a designated eligible savings account or 3-month Small Change savings certificate at 3.00% APY. Dividends are compounded daily and credited monthly. Upon maturity, certificate will roll over into a new 3-month Small Change certificate at the current rate. Refer to the Rate and Fee Schedule for savings and certificate rates. Early withdrawal penalties apply. The ownership of the designated account receiving the round up must exactly match the ownership of the enrolled checking account. If funds are not available, a round-up will not occur.