Ideal RoundUp Savings
The RoundUp Savings Account Helps You Earn While You Save
Building a savings cushion is easy with RoundUp. The program helps you turn everyday spending into savings. Once enrolled in our RoundUp Savings, you'll benefit from great rates every time you save. All RoundUp transactions are deposited into your RoundUp Savings Account.
Please be aware enrollment may take up to 1-2 business days when requesting online. A confirmation email will be sent to you once your request has been processed.
How it works
Once enrolled, every transaction on your Ideal Debit Card will round up to the nearest dollar and the change will transfer right from your checking account into your RoundUp Savings account. You can even choose to add an additional $1 to $2 to each purchase to pick up the pace with how much you save. See rates and member qualifications below.
RoundUp Savings Rates
RoundUp Savings Rates
| Balance1 | Interest Rate | APY* |
|---|---|---|
| $0 - $2,499.99 | 4.89% | 5.00% |
| $2,500 - $4,999.99 | 4.89% | 5.00% |
| $5,000 - $9,999.99 | 4.89% | 5.00% |
| $10,000.00 + | 4.89% | 5.00% |
| 1. To qualify for RoundUp Savings premium rates/APYs, member must have an Ideal Credit Union Checking Account and Debit Card, receive eStatements, and conduct a minimum of 20 debit card purchase transactions during the monthly qualifying period. RoundUp Savings occur when the Ideal CU Debit Card Transactions are rounded up to an even dollar amount. An additional $1 or $2 can also be added to each transaction and transferred to RoundUp Savings. If the minimum criteria are not met, the account earns 0.05% APY per month. RoundUp Savings is not available with a High Yield Checking Account. *APY = Annual Percentage Yield. Rates subject to change at any time. Interest rates adjusted and paid monthly. |
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Open a RoundUp Savings Account
Don't have a RoundUp Savings Account? Our Member Representatives are here to help you every step of the way. Open your new account online or make an appointment to visit a branch near you.
Cancel Any Time
Saving... It's sometimes easier said than done. That's okay! You can cancel your RoundUp enrollment at any time.
Please be aware a cancellation may take up to 1-2 business days when requesting online. A confirmation email will be sent to you once your request has been processed.
You can also cancel in-person by making an appointment or over the phone by calling 651-770-7000.