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Saving couldn’t get any easier!

Here’s how it works: 

  1. You make purchases conveniently and safely with your SMACU debit card.
  2. We round up the purchase, up to the next dollar amount.
  3. The change is deposited into your Round-Up Savings account, where it earns a high dividend rate of 5.12% APY*.

Rounding up makes cents!


  • Must have a SMACU checking account and debit card
  • No fees, service charges, or minimums
  • Purchases made with your SMACU debit card are rounded up to the next whole dollar amount
  • The difference is deposited into your Round-Up Savings
  • No additional deposits can be made after the account is opened. Only round up deposits allowed to this account via debit card purchases

*APY = Annual Percentage Yield. Interest earned on all accounts. All rates subject to change anytime.

Call or text 608-258-5062 to open your account!

*APR = Annual Percentage Rate. Subject to credit approval. Some restrictions apply. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.