CW Cents Just Makes Sense
Introducing the CW Cents program, where saving has never been easier! Every time you use your CW Access Debit Card, we’ll automatically round your purchases up to the nearest dollar. The extra change is then seamlessly transferred into your CW Cents account, helping you build your savings effortlessly with every swipe.
Whether you’re grabbing a coffee or shopping for essentials, your spare change adds up quickly, turning small amounts into significant savings over time. Start saving with every purchase and watch your CW Cents account grow, one transaction at a time!
| CW Cents Savings | ||||||||
| Effective Date: Monday, September 16th, 2024 | ||||||||
| Average Daily Balance | APY | APR | Minimum balance to open | Min. balance to earn dividends | Dividends earned each | Dividends paid at end of each | No penalty withdrawal period | Withdrawal penalty on amount |
| $0 and up | 2.00% | 1.982% | $5.00 | $1.00 | Day | Month | Any time | None |
| When you enroll in the CW Cents Savings Round-Up Program, the Credit Union will round up the amount of any debit card purchase | ||||||||
| associated with your CW Checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount | ||||||||
| from your CW Checking account to your CW Cents Savings account. | ||||||||
Benefits
Easy Access
- Funds can be easily accessed through transfers to checking accounts, ATMs, online banking transfers, or in-branch withdrawals without penalty.
- Access to surcharge FREE ATMs (Over 30,000 Nationwide) and CO-OP Shared Branching Access with over 5,500 Office Locations Nationwide
- Direct payroll and other recurring deposit options allowing your flexibility in how you save, there are no deposit restrictions on this account.
Great Online Services
- Free Online and Mobile Banking access with the ability to track, manage, and contribute to your account as you choose.
- Remote Deposit Capture service to deposit checks online from your phone
- Monthly eStatement and Notification options for fast access to the information you need.
Security & Protection
- Free Automatic Transfers and Overdraft Protection for increased savings and spending protection
- NCUA Insurance up to $250,000 per person (or more in some cases, ask us for more information on this).
- FREE Professional Financial Counseling and Education to help you reach your financial goals.
Savings Calculator
We want to help you reach your goals! Please use our calculator to assist you in your decisions.
How Does it Work?
When you use your CW Access Debit Card, every purchase is automatically rounded up to the nearest dollar, with the spare change transferred directly from your CW Checking to your CW Cents account. Sign up today, and your round-ups will start the next day, helping you effortlessly grow your savings with every transaction.
The CW Cents account offers all the great features of a regular savings account, including competitive dividends, with no restrictions on deposits or withdrawals—so your money is always accessible when you need it. Whether you’re saving for emergencies, holiday shopping, future travel, or just a rainy day, CW Cents makes it easy. Log in to CWAnyWhere to add this special account and start growing your savings today!
