Round Up Savings
Save Money Automatically with a Round-Up Savings* Account
Our Round-Up Savings Account helps you grow your savings effortlessly when you use your APCU/Center Parc VISA® debit card. It’s simple! Use your debit card for everyday things like point-of-sale purchases using your PIN, signature-based transactions – even debit card bill pay transactions – and we’ll round up your purchase to the nearest dollar and deposit the extra change into your savings.
For example:
Spend $26.45 at the grocery store → We round up to $27 and deposit $0.55 into savings.
Buy $60.02 of gas → We round up to $61 and deposit $0.98 into savings.
It adds up quickly, helping you save for emergencies, vacations, holidays, or any financial goal—without even thinking about it!
Plus, we’re here to help your savings grow even more:
- 7.00% APY* paid on savings balances up to $1,000 (0.10% APY for balances over $1,000)
- 25% new account deposit match bonus with enrollment in eStatements for the first 30 days after account opening
- 5% account deposit match bonus when enrolled in eStatements, thereafter up to a total deposit match of $250 per year
There is no minimum balance required, so you can start saving right away!
Answers to some Frequently Asked Questions:
Can I opt-out or change my round-ups?
Yes! You have full control and can adjust or opt-out of round-ups anytime.
What happens if I don’t have enough money in my checking account?
We only round up when there’s enough available balance, so you don’t have to worry about overdrafts.
How much can I expect to save?
It depends on how often you use your debit card, but it’s possible to save hundreds of dollars a year without even noticing.
For more information, contact Member Services at (800) 849-8431 or visit your nearest branch.
*APY – Annual Percentage Yield. Member must have an APCU/Center Parc checking account and debit card to open a Round Up Savings account. First round up activity will fund the account. Round Up Savings activity occurs nightly. If the checking account attached to the Round Up Savings account is closed, the Round Up Savings account will also be closed, and the account funds will be deposited to your primary savings account, which means you would forfeit your deposit match and dividends. If the member closes their Round Up Savings account, they will forfeit their deposit match and dividends. If the member withdraws any of their round up savings before quarter end, they will forfeit their deposit match and dividends for the portion withdrawn. Point-of-Sale (pin-based), Signature-based, debit card Bill Pay transactions are the only transactions that qualify as Round Up transactions (ATM transactions, In Branch deposits, ACH deposits, and transfers in to the attached checking account do not qualify as Round Up transactions). Minimum average daily balance to earn advertised APY is $0.01 at the end of each quarter. The first dividend rate and annual percentage yield listed in the Rate Sheet will apply if your balance is from $1,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is $1,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. If you make a return or have a debit card transaction reversed, the “round up” amount will remain in your Round Up Savings account. You may not make deposits or transfers into a Round Up Savings account. Rates may change after the account is opened. Enrollment in e-Statements is not a requirement of the Round Up Savings account, but it is required to receive the initial 25% match and the 5% contribution match thereafter. If you meet the minimum qualification requirement during the quarterly qualification cycle, the quarterly initial deposit will be 25% of deposits for the first 30 days and then 5% of deposits after 30 days. The deposit match will be credited to the Round Up Savings account at the end of the calendar quarter based on the accumulated contribution for the calendar quarter or the balance in the account at the end of the calendar quarter, whichever is less. The maximum total deposit match is $250 per year. The Round Up Savings account will not be used for overdraft protection purposes. Members are eligible to opt out and leave their Round Up Savings account open and dividends will continue to accrue and post quarterly. If the round up would cause the member to have insufficient funds, the transfer will not occur. The rate may change after the account is opened. APY is accurate as of March 1, 2025. Fees could reduce the earnings on the account. Member is responsible for all federal, state, local or other taxes.
