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Checking & Savings  /  Savings  /  Change-Up Savings

Keep the change and earn 2.00% APY¹

Round up your debit card purchases to the nearest dollar, and we’ll deposit the difference into a higher-yield savings account.

Person pays with a debit card at a POS machine at a coffee shop.

Are you currently a member of Fort Community Credit Union?

If you are not currently a member of FCCU, please click “Continue” to proceed to the membership application. If you are already a member of FCCU, please log in to Online or Mobile Banking to create a new share account.

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Core Benefits


Higher Savings Rate.

Higher Savings Rate

2.00% APY¹ on debit card round-up and drive-up teller change.

Automated Savings.

Effortless Saving

Savings is automatic, so there's nothing to forget!

Additional Benefits


NCUA Insured

Plus, with Excess Share Insurance, your deposits are insured up to $1,000,000! Learn More

Member Loyalty Cash

Your balance can help you qualify for our year-end patronage dividend! Learn More

Account Requirements

Checking account, debit card, and E-Statements

Monthly Fee

None

Minimum Opening Deposit

None

Minimum Balance Requirement

None

Deposit & Withdrawal Limitations

Deposits allowed only from debit card round-up and drive-up teller change. No withdrawal limitations.

Dividends Compounded

Quarterly

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24/7 access to your accounts with digital banking!

Holistic Account Management.
Holistic Account Management

Connect your bank accounts from other financial institutions to see your full financial life in one place.

Financial Wellness Tools.
Financial Wellness Tools

Credit Score & More, savings goals, budget tracker, spending analysis, and more!

E-Statements.
E-Statements

Skip the paper statements and go paperless.

More Features ⇒

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Account

Rate

APY¹

Change-Up Savings

1.98%

2.00%

All Savings Rates ⇒

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Are you currently a member of Fort Community Credit Union?

If you are not currently a member of FCCU, please click “Continue” to proceed to the membership application. If you are already a member of FCCU, please log in to Online or Mobile Banking to create a new share account.

Some restrictions apply. See current fee schedule.

[1] APY is Annual Percentage Yield. Rates accurate as of 7/1/2026.