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Even-Up Savings

Your Spare Change Really Adds Up!

Make a purchase with your SunState FCU Visa® Debit card and we’ll round it  up to the next dollar. That extra change is withdrawn from your checking account and then deposited into an Even-Up Savings account that earns 4.00% APY Minimum balance to earn APY is $ 0.01

Sign Up Today Click here to start earning 4.00% APY*


To get started saving -

  1.  You will need to have a SunState FCU checking account with a debit card.
  2.  Open an Even-Up Savings account. (In person or through the link on this page)
  3.  Use your SunState debit card for all transactions.

How it works -

    1.  Make a purchase using your SunState FCU debit card.
    2.  That purchase will be evened-up to the next dollar.
    3.  That change will be transferred from your checking account into your Even-Up savings account.
    • Even-Ups are accumulated and transferred daily as one single transaction.
    • If you make multiple purchases on the same day, your statement will show one combined Even-Up Savings transfer for that day.
    • If the available amount in the checking account is less than $25 the Even-Up transfer will not happen.

Other Important Details -

  • Signature and PIN transactions will be included. 
  • Deposits to the account are only from your debit card Even-Up transactions.  No other deposits are allowed.  The only way for money to go into Even-Up Savings is through the Even-Up program.
  • Commercial debit cards/accounts are not eligible.
  • Dividend period is quarterly. The quarter begins the first day of the calendar quarter.  Dividends are credited on the last day of the calendar quarter.  
    • January 1 through March 31
    • April 1 through June 30
    • July 1 through September 30
    • October 1 through December 31
  • Dividends will be compounded quarterly.

Even-Up FAQ's

 ¹The even-up amount will be withdrawn from your checking account and deposited into your Even-Up Savings. ²Dividend rate is 4.00%.  4.00% Annual Percentage Yield (APY) is earned on balances of $0.01 to  $4,000.00.    Rates current as of September 17, 2019. Rates subject to change please see current rate schedule for current rates.  Even-ups from debit card transactions are accumulated and transferred daily as a single transaction.  There must be $25 in the checking account after all transactions post during nightly processing for the even-up posting to occur.