ChangeUp Savings

Go from small change to big savings.

A savings account great for any age that makes saving spare change a no-brainer.

ChangeUp Savings 101

The ChangeUp account looks a lot like our Share Savings account, but with one bonus benefit: every purchase you make with your Fortera debit card gets rounded up to the nearest dollar. That extra change automatically deposits into your ChangeUp account for a rainy day. The ChangeUp account has a 1.50% Annual Percentage Yield (APY) on the first $2,000 in your ChangeUp savings account linked to your Fortera Debit Card.

Spend to save? Let’s break it down.

Say you treat yourself to a tasty taco for $1.87. When you pay with your Fortera Debit Card, that purchase rounds up to $2 and 13 cents is deposited into your ChangeUp account. Come the end of the month, future-you will thank past-you for the extra savings. Especially when you go back for seconds. Because just one taco? Come on.

ChangeUp Savings Account Rates

Type Dividend Rate APY* Balances Dividends Compounded Dividends Credited
ChangeUp Savings Account | $0.00 to $2,000.00 Tier
Dividend Rate:
$0.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Dividends Credited:
ChangeUp Savings Account | $2,000.01 + Tier
Dividend Rate:
$2,000.01 Minimum Balance to Earn Stated APY
Dividends Compounded:
Dividends Credited:

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.

Penalties will/may be imposed for early withdrawal on time accounts. Fees may reduce earnings on the account. Rate may change after account opening. Rate is accurate as of July 15, 2022.

Click the button below to see our Rate and Fee Disclosure.

ChangeUp Savings Account Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

Save more earn more

Money still doesn’t grow on trees, but Fortera savings accounts do collect dividends quarterly. (Dividends are extra earnings for all your hard-won savings.)

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Statements that save

....Trees, space, and worry. Always enjoy access to 18 months worth of e-statements. Keep more trees, toss your file cabinet, and know your info is always safe and sound.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Let's go!

Put a little more money in your pocket each month when you open your ChangeUp Savings Account today.

Need a hand?

Tag us in. Whether you are on your couch or halfway around the world, use Fortera Video Chat to get quick answers from a friendly face.
Can I add additional deposits to the ChangeUp Savings Account?

No additional deposits may be added to the ChangeUp account.

Who is eligible to open a ChangeUp Savings Account?

To be able to open a ChangeUp Savings Account, you must meet the following eligibility requirements: (1) You must be 13 years of age or older (2) You must live, work, worship, or attend school in one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible. (3) You must have a Share Savings Account to establish Fortera Credit Union Membership. (4) You must have an eligible checking account and debit card.

Can I connect multiple Checking Accounts to the same ChangeUp Account?

No, members may only connect one debit card and one checking account (the debit card and checking account must be connected) to a ChangeUp Savings Account.

Can I set up automatic transfers to the ChangeUp Savings Account?

This account is designed to be automatic. Every purchase made with your debit card is rounded up to the nearest dollar and that extra change is then deposited into your ChangeUp Account. You cannot automate additional transfers to this account.

How much does it cost to open a ChangeUp Savings Account?

This account is the definition of accessible to everyone. It only takes one penny to open it. You heard us right!

What are dividends and how do they work for the ChangeUp Savings Account?

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The ChangeUp Savings Account earns dividends quarterly as long as your account has at least $0.01 deposited in it. You heard us right, that is a single cent. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

Can I open a ChangeUp Savings Account online or do I need to come into a branch?

You can open a ChangeUp Savings Account online or in a branch. The choice is yours.

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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Rate and Fee Disclosure
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