Turn Spare Change into Smart Savings

With UT Federal Credit Union's U Save Round-Up, your everyday debit card purchases are automatically rounded up to the nearest dollar, and the spare change is tucked away into your savings. It's a simple, hands-off way to grow your savings without even thinking about it— and it earns an impressive 5.00% APY* to help your money grow even faster. Every swipe brings you closer to your savings goals.

You spend. You save. Automatically.

5.00%APYU Save

How It Works

 Use your UTFCU debit card.

 We round your purchase up to the nearest dollar.

 The spare change is transferred into your U Save account (in one daily transfer).

 

How it works

 

How to Opt-In

For Current Members

Ready to Round Up and Save?

Log in to Digital Banking and opt in to U Save Round-Up today!

Member Opt-In

For Non-Members

Not a Member Yet? Let's Fix That.

Open a UTFCU checking account and enroll in U Save Round-Up!

Open Checking Account

Why You'll Love It

 Save effortlessly—automatically!

 Watch your balance grow over time.

 Funds stay in your savings and are always accessible.

 

*APY = Annual Percentage Yield. Rate effective 5.21.2025. Rate is subject to change or end at any time. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time. Terms and conditions apply. Federally insured by NCUA.

 

Rates

Savings Rates
Effective Date: Friday, June 6th, 2025
AccountDividend RateAPY**
Regular Shares 0.05% 0.05%
Health Savings – $.01 and up 0.10% 0.10%
Holiday Club 0.50% 0.50%
Cumulative IRA 0.10% 0.10%
U Save Round-Up*** 4.89% 5.00%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

***APY = Annual Percentage Yield. Rate effective 5.21.2025. Rate is subject to change or end at any time. No other deposit methods are permitted into the U Save account. Funds can be withdrawn at any time. Terms and conditions apply. Federally insured by NCUA.

High-Yield Savings Rates
Effective Date: Friday, June 6th, 2025
AccountDividend RateAPY**
U Earn Savings*** - $25,000 - $99,999 2.96% 3.00%
U Earn Savings*** - $100,000 - $249,999 3.45% 3.50%
U Earn Savings*** - $250,000 and over 3.93% 4.00%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

***APY = Annual Percentage Yield. Dividend rate displayed is subject to change without notice. This is a tiered account. Minimum deposit of $25,000. Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month. If qualifications are not met, account earns the regular share rate. Federally insured by NCUA.