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Swipe & Save the Change
What are you saving for?
We’re here to help you achieve your goals. Our Round-Up Savings program increases your savings as you use your Mid Minnesota Federal Credit Union Visa debit card connected to a personal checking account.
Swipe & Save the Change
When you make a purchase, Round-Up Savings will round your purchase to the nearest dollar and deposit that money into your savings account at the end of each day! It could be your current savings account, a special account set up for a certain purpose like a vacation, or someone else’s account like a child or grandchild. It’s one of the many perks to credit union banking.
Here’s what that might look like in a day:
| Purchase Amount | Next Whole Dollar | Amount to Savings |
|---|---|---|
| $2.99 | $3.00 | $0.01 |
| $28.00 | No Rounding | $0.00 |
$57.09 | $58.00 | $0.91 |
| Total End Day Deposits | $0.92 |
Turn on Round-Up Savings
Bring the completed Savings Enrollment Form to your local MMFCU Office or call or text us at (218) 829-0371 to complete the form over the phone.
In person or electronically sign the signature document, MMFCU will provide you with this form.
Calculate your options
Peace of Mind
All credit union checking and savings accounts provided by Mid Minnesota are insured by the National Credit Union Administration (NCUA), an agency of the federal government, for up to $250,000.
Why Choose MMFCU?
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Upon enrollment, Mid Minnesota Federal Credit Union (MMFCU) will round-up your debit card purchases (signature and PIN) to the nearest dollar and transfer the difference from your checking account to your choice of (eligible) savings account chosen once each day in a single transfer (Debit card Round-Up). The Credit Union will aggregate the rounded-up amount accumulated each day and post to your checking account at end of the business day.
If on a business day, you do not have sufficient funds available in your checking account, or if any transaction has overdrawn your checking account, we will not round-up purchases posted on that business day, and we will cancel the Round-Up Savings transfer for that day. If your debit card purchase is subsequently canceled or reversed, the corresponding Round-Up Savings transfer will remain in the savings account. Round-Up Savings is only available on debit cards linked to MMFCU checking accounts (both consumer and business).
This feature will cause all non-even debit card transactions (signature and PIN) made by you or a joint owner of your Credit Union checking account to round up to the nearest dollar and transfer the difference from your checking account to your choice of (eligible) savings account. Upon receipt of a request to add the Round-Up Savings feature, the Credit Union will process it within a reasonable time frame, not to exceed three business days. Should you have questions regarding or choose to cancel the Round-Up Savings feature, please notify the Credit Union at any time. We may cancel or modify Round-Up Savings feature at any time without prior notice.