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Grow Your Change

Turn spare change into steady savings without breaking a sweat.

GROW YOUR CHANGE SAVINGS

Easy automatic savings with every buy!

Saving more money doesn’t have to mean setting reminders and breaking out the spreadsheets. It works best when it’s easy—which is why Grow Your Change is built around automatic transfers that you don’t have to think about, and small savings amounts that don’t hurt your cashflow but still add up to lots of extra cash!

Every time you swipe or tap your CFCU debit card, we’ll round up your purchase to the nearest dollar and put that spare change into any Community Financial savings account you’d like. Even High Yield Savings! We’ll do the work—you just watch your money grow.

Grow Your Change Benefits

Swipe, save!

Take the work out of working towards your Impossible Dreams!

Cashflow friendly

Saving in small amounts is easier to commit to, but it still stacks up over time when you’re doing it all the time!

CloseEnuff™ connected

It’s our way of putting savings power into the overdraft-buffering, purchase-splitting, early paying goodness of your CloseEnuff™ checking account!

Automated ease

Automatic savings transfers take the reminder-setting and stress out of saving. You just keep on living life, and we’ll help build your balance in the background.

Simple digital control

Set up Grow Your Change in just a few clicks on our digital banking app. You can get started any time, even in the middle of the checkout line!

Grow Your Change Savings Details

Give your spare change an upgrade

Change adds up, even without checking the couch cushions.

Automatic savings every time you spend

  • Round up every debit purchase to the nearest dollar
  • Automatically transfer all rounded up change to your savings
  • Connects to any CFCU savings account you choose, High Yield included! (With a standard Grow Your Change Savings Account available, as well)
  • No fees with at least one transfer every six months or with a minimum $100 account balance
  • Pause or cancel transfers at any time
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High Yield Savings

Grow faster with 10% APY**

Savings Account Rates

Date Updated Apr 24, 2025

Minimum to Open

Minimum to Earn Dividends

Dividend Rate

APY*

Basic Savings

$5

$100

0.05%

0.05%

High Yield Savings

$5

$0

9.57%

10.00% on balances up to $1,000

0.10%

0.10% on balances over $1,000

Kids Savings

$5

$0

0.05%

0.05%

Holiday Savings

$5

$0

0.05%

0.05%

IRA Savings

$5

$0

0.05%

0.05%

Health Savings

$5

$0

0.05%

0.05%

*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. Goal Setter Accounts require monthly auto deposits to earn dividends, subject to penalty for early withdrawal. Rates are subject to change at any time. Community Financial Credit Union membership is required. Community Financial Fee Schedule.

Get Grow Your Change Savings

Start Growing Your Change

Frequently Asked Questions

Grow Your Change Savings FAQ

You have questions, we have answers. Learn more about CFCU’s Grow Your Change Savings here.

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** APY = Annual Percentage Yield. Rate offered may change at any time. The minimum balance to open the account is $5.00. The 10.00% APY is earned on balances of $.01 to $1,000.00. Balances of $1,000.01 and above earn an APY of 0.10%. Fees could reduce earnings. Federally insured by the NCUA.