Your Spare Change Really Adds Up!

  • Sign up for an Even-Up Savings Account
  • Make a purchase with your Radiant Credit Union VISA® Debit Card (signature and PIN transactions) 
  • Purchase evened-up to the next dollar
  • Balance transferred from your checking account into your Even-Up Savings Account

Even-Up Savings Account earns up to 4.00% Annual Percentage Yield (APY)1!



  • Even-Ups are accumulated and transferred daily as a 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.
  • Signature and PIN transactions will be included. 
  • Deposits to the account are only from your debit card Even-Up transaction change.  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.

¹The even-up amount will be withdrawn from your checking account and deposited into your Even-Up Savings. Dividend rate is 4.00%. 4.00% Annual Percentage Yield (APY) is earned on balances of $0.01 to $4,000.00. The APY for any amount over $4,000.00 is 0.05% APY. Rates current as of January 20, 2021. 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.