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SCCU Saving Cents

Spend. Save. Simple.

The SCCU Saving Cents account helps you save while you spend. With every use of your Visa debit card, we’ll round up your purchase to the nearest dollar and automatically deposit the difference into your Saving Cents account at the end of each day. Earn 2% APY^ on your balance to effortlessly save for the big and small moments in life.
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Product Features

Terms & Fees
Round-up Frequency Daily
Earns Interest Yes
Monthly low balance fee None
Monthly service fee None
Requires an adult joint account holder No

SCCU Saving Cents Account Interest Rates

Effective Date: January 10, 2022
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Balance Interest Rate APY^
$0 - $25,000 2.00% 2.00%
$25,000.01 and over 0.04% 0.04%
Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period.

There are no transaction limitations on your savings account at this time. As of April 24, 2020, the Federal Reserve Board temporarily suspended Reg D until further notice.

Frequently Asked Questions

Saving Cents is an optional savings account where eligible debit card transactions for participating checking accounts are rounded up to the nearest dollar and deposited into your Saving Cents account.

To enroll, members can contact Member Services, and must have a debit card attached to their checking account. Business checking accounts are not eligible for the program.

Members can view their Saving Cents balance by logging in to Online Banking at, the SCCU Mobile app, visiting a branch, contacting Member Services, or accessing their account through Call 24.

No. Members may only withdraw money from their account. Saving Cents accumulates money through debit card transactions only. 

All non-whole dollar amount transactions qualify. Whole dollar transactions do not qualify for round up. For example, a transaction totaling $12.35 qualifies for round up, but a transaction of $12.00 does not.

Daily. At the end of each business day, the aggregate amount from each debit card transaction is transferred from the checking account to the SCCU Savings Cents account.

Members may only have one SCCU Saving Cents account per membership; however, you can have multiple checking accounts linked to the SCCU Saving Cents account. IMPORTANT NOTE: You must be the primary checking account holder to successfully link it to a SCCU Saving Cents account.

The interest rate is 2% up to an account balance of $25,000.00. If the account balance exceeds $25,000.00, the interest rate will adjust to match the standard share rate.

If an enrolled Checking account balance is negative, transactions will not begin rounding again until the balance is positive.