Turn Everyday Purchases into Effortless Savings Goals
A Dream Round Up Savings account from Cyprus Credit Union transforms your would-be pocket change into high-yield savings. This account rounds up your debit purchases to the next dollar and invests the difference into a dividend-earning savings account, and it’s all automatic! Only available for Dream Rewards Checking members.
Use your debit card: Use your Cyprus debit card at shops, online retailers, gas stations, restaurants, and more.
Your purchases are rounded up: Once your purchase is complete, Cyprus calculates the “roundup” difference between the purchase amount and the next whole dollar. For example: If you spend $3.40, the next whole dollar is $4, making your roundup difference $0.60.
Your roundup total is transferred: At the end of each day, the "roundups" from the purchases you’ve made throughout the day are automatically added together and transferred from your Dream Rewards Checking account to your Dream Round Up Savings account. The funds will be kept in the account until it matures on October 31 of each year, at which point they’ll be deposited to your Dream Rewards Checking account along with the dividends they’ve earned.
Dividends accrue at a great rate: The balance in your Dream Round Up Savings account earns monthly dividends at a competitive variable rate.
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Why use Round Up Savings?
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Automated Savings
All your debit purchases are rounded up for you, making saving simple and consistent.
Compounding Growth
Funds earn high-yield dividends at a competitive variable rate, making your savings grow faster.
Daily Transfers
Make a habit of your savings goals with round up amounts calculated daily and transferred into your account.
Funds Mature
Funds are held until October 31st, then they're deposited back into your Dream Rewards Checking account along with the dividends earned.
No Change to Spending Habits
You don’t have to change anything about how you spend your money, adding greater convenience to your savings goals.
Round Up Saving Account Rates
Balance or Term
Dividend Rate
APY as high as
Min. Opening Balance
N/A
9.569%
10%
$0
Provide clear access to disclosures, fee schedule, rates, account terms:
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Card title
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A round up savings account rounds up your everyday debit card purchases to the nearest dollar and transfers them into a high-yield savings account.
How does Round Up Savings work?
With round up savings, every time you make a transaction with your Cyprus debit card, the difference between the purchase and the nearest dollar is deposited into the savings account daily. Those funds are held in the account until the maturity date (Oct. 31 each year) and deposited back into your Dream Rewards Checking account.
Is Round Up Savings a good way to save money?
Yes! A Round Up Savings account is a great way to easily add to your savings goals. It allows for consistent, effortless savings without having to change your usual spending.
Does Round Up Savings earn interest?
Round Up Savings accounts earn monthly dividends at a competitive, variable rate.
Ready to build effortless savings?
Make great progress towards your savings goals with Round Up Savings, available with a Dream Rewards Checking account from Cyprus Credit Union. New to Dream Rewards Checking? Open an account today and start earning points from everyday spending you can use to redeem rewards, and access account perks that offer extra savings.
