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Save the Change

Saving Simplified

Round up the savings when you use your debit card.

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Why Save The Change?

How It Works

Saving money is a piece of cake with a Save the Change account. Every time you use your debit card, the amount is rounded up to the next dollar, and the extra "change" is automatically deposited into your Save the Change account. That change earns a much higher dividend than our regular savings, and if you need money in a pinch, you can withdraw from your Save the Change without penalty! Once you reach $250, your savings will roll over to your regular savings account, and you can continue to grow your money there, or consider opening a certificate. Either way, you're saving without even thinking about it!

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Savings Rate
TERM MINIMUM BALANCE APY* DIVIDEND RATE
Save the Change N/A 4.50%
Traditional Savings $25 0.10%
Dollar Dog Kids Club $25 0.10%
iSave Teen $25 0.10%

*TERMS & CONDITIONS: APY = annual percentage yield | Rates subject to change without notice | Rates listed as of October 3, 2024.

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Use your Save the Change account to save without thinking about it, and once you've saved $500, open a Certificate and keep earning while you save. Do this and you'll be making passive income!
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FAQs

If you don't see your question here, text us at (435) 723.3437. We are happy to help!

How do I enroll in Save the Change?

Save the Change is a special savings account, so to open an account you can do one of the following:

  • Call us to let us know you want to add the Save the Change to your account. (435) 723.3437
  • Text us to let us know and we will call you to set up your account. (435) 723.3437
  • Fill out the request form on this page, and we will reach out to you to get your account opened.
Are there any transaction limits on rounding up? No, there are no limits.
Can I link multiple debit cards to my Save the Change? Yes, you can!
What happens if my balance never reaches $250? Nothing. However, if you are using your debit card regularly, you likely won't have this problem.
Is there a minimum balance requirement for the regular savings account where my $250 will be deposited? Your regular savings account must have $25 in it. This is your "share" in the credit union.
Can I make deposits into my Save the Change account? You cannot make deposits, but you can make withdrawals if you need to.
Can I use the money in my Save the Change account if I need to? Yes, if you need that money, there is no penalty or fee to use the money in your Save the Change account.
Why can I only have $250 in my Save the Change account? Save the Change was created to help members get a jump start on saving money without thinking about it and to make it easier to save enough money to open a certificate. Think of it as a jump start to good savings habits!

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