Saving money doesn’t have to mean strict budgets, spreadsheets, or big lifestyle changes. Sometimes, the easiest way to save more is to make it automatic.
That’s exactly what Round-Up Savings from US Community Credit Union is designed to do, help you build savings effortlessly, one debit card purchase at a time.
What Is Round-Up Savings?
Round-Up Savings is a free service that helps you save automatically whenever you use your USCCU debit card. Each purchase is rounded up to the nearest dollar, and the difference is transferred directly into your designated savings account.
You keep spending the same way you always have, your savings just grows quietly in the background.
How Does It Work?
It’s simple. Once you enroll:
- Make a purchase using your USCCU debit card
- The amount is rounded up to the nearest whole dollar
- The difference is automatically deposited into your savings
For example:
If you purchase gas for $43.18, the transaction rounds up to $44.00, and $0.82 is automatically moved into your savings.
Even whole-dollar purchases round up. A $10.00 purchase becomes $11.00, adding $1.00 to savings.
Over time, those small amounts add up—without you having to think about it.
Why You’ll Love Round-Up Savings
Round-Up Savings is designed to make saving easier, not harder. Here’s why it works so well:
- Save without changing how you spend
No new habits required—just use your debit card like normal. - Small change adds up
A few cents here and there can grow into hundreds of dollars over time. - Perfect for financial goals
Build an emergency fund, save for a short-term goal, or create a cushion for unexpected expenses. - Free to enroll
There’s no cost to participate—it’s simply a smarter way to save.
What Transactions Qualify?
Round-Up Savings applies to everyday USCCU debit card purchases.
Please note:
- ATM transactions do not qualify
- Credit card purchases do not qualify
Your regular debit card swipes—groceries, gas, dining, and more—are where the savings happens.
Make 2026 the Year Saving Finally Sticks
If saving money has been one of your goals for 2026, Round-Up Savings makes it easier to stay consistent. By automating the process, you can build momentum without relying on willpower or reminders.
It’s a small change that creates real progress—month after month.
How to Get Started
Getting started is quick and easy:
- Log in to Online Banking
- Navigate to Tools > Additional Service Requests > Debit Card Round-Up Savings
- Complete the short form and start rounding up your savings
Prefer help getting started? Contact us, and our team will be happy to assist you.
DISCLOSURE
¹Must have a USCCU Checking Account and Debit Card to enroll in Round-Up Savings. If funds in the checking account are insufficient (or not available), the round-up will not occur. Potential savings are examples, do not reflect your actual savings, and are not guaranteed. Your savings will vary and will be based on the actual number of purchases and the purchase amounts made using your USCCU Debit Card. ATM transactions not included. Other restrictions may apply.