Save Money, Drive Down Debt
Every debit card purchase automatically rounds up to the nearest dollar. That spare change goes straight into your savings—effortlessly, every single day.
$0 NSF or overdraft fees · 100% Automatic — no setup · NCUA Federally insured
Three steps. Zero effort.
Round Up Checking builds your savings habit automatically—starting the moment you open your account.
Step 1 — You Swipe Your Card Use your Round-Up Checking debit card for any eligible purchase—coffee, groceries, gas, wherever life takes you. You pay $3.40 for coffee
Step 2 — We Round Up Automatically Every purchase is instantly rounded up to the nearest dollar. The difference leaves your checking account automatically. We round up to $4.00
Step 3 — Your Savings Grow That $0.60 drops straight into your Nutmeg savings account. Small amounts, consistent movement, real results. $0.60 saved—yours to keep
Pair It with High-Yield Savings. Earn Even More.
When you bundle Round-Up Checking with a Nutmeg High-Yield Savings account, you unlock an elevated APY* on your saved dollars. The more you engage, the more your money grows.
✓ Competitive elevated APY* no teaser rates, no traps
✓ Full liquidity—your money is never locked in
✓ No monthly maintenance fees
✓ Works automatically with Round Up Checking
Questions Answered
Round-ups are small, gradual, and happen quietly in the background. What you will notice is your savings growing over time without any extra effort on your part.
Directly into your Nutmeg savings account. You own it, you control it, and you can access it anytime—no restrictions, no waiting.
Round-ups are a built-in feature of the account—they run automatically as designed. But your saved funds are always fully accessible to you whenever you need them.
Yes. Nutmeg State Financial Credit Union is federally insured by the NCUA. Your deposits are protected up to $250,000 per depositor.
More people than you might think. Membership is open to residents, workers, students, and volunteers across Hartford, Middlesex, Tolland, New Haven, and select Fairfield County towns—and members of partner organizations like the Community Impact Fund.
Eligible debit card purchases are automatically rounded up. Check payments, account transfers, ATM withdrawals, and other non-card transactions are not included in the round-up feature.
Every purchase is a step toward your goals.
Opening a Round Up Checking account takes just a few minutes. After that, saving happens automatically—every swipe, every day.
Have questions? Talk to a Nutmeg team member
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Legal Disclosure: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name address, date of birth, and other information including valid identifying documents to identify you. NON MEMBERS: Membership required. Membership at Nutmeg State Financial Credit Union is open to you if you are a member of the Community Impact Fund, or if you live, work, worship, attend school or volunteer in Hartford County, Middlesex County, Tolland County, New Haven County or the Fairfield County towns of Bridgeport, Shelton, Stratford, Trumbull, Fairfield, Norwalk and Westport, CT. Membership requires a savings (share) account with a $5 minimum balance requirement.
*APY = Annual Percentage Yield. Only debit card purchase transactions are eligible for round-ups. Check payments, account transfers, ATM withdrawals, and other non-card transactions are not included in the round-up feature.