Savings built for more living
Premium APY with active LiveUp Spending¹
Save automatically with Round Up
No monthly maintenance fee
LiveUp Savings gives your money more room to grow. Open it on its own or pair it with an active LiveUp Spending Account to unlock a premium APY on eligible balances. Whether you’re building an emergency cushion, planning something exciting or simply creating a better savings habit, LiveUp helps you make steady progress toward whatever comes next.
- Open with a minimum deposit of $1
- Earn the premium APY when you enroll in eStatements and complete six or more qualifying transactions in your LiveUp Spending Account each calendar month¹
- Premium tier applies to the portion of your balance from $1 through $10,000¹
- Balances above $10,000 earn a separate APY¹
- Earn the standard APY when monthly transaction requirements are not met¹
- No monthly maintenance fee
- Online and Mobile Banking²
- Mobile Check Deposit²
- Add optional Round Up through LiveUp Spending to save automatically³
- Dividends compounded and credited monthly⁴
- Limit one LiveUp Savings Account per primary member⁵
Unlock your premium savings rate
Unlock more from your savings
Pair LiveUp Savings with LiveUp Spending to unlock the premium APY on eligible balances. Each calendar month, just:
- Stay enrolled in eStatements
- Complete at least six qualifying transactions in your LiveUp Spending Account
Qualifying transactions include deposits, withdrawals, transfers, ACH transactions, debit card purchases, ATM transactions and transactions completed at a branch.
Meet both requirements and you’ll earn the premium APY for that month. If you don’t, your savings will still earn the standard APY. Round Up is optional and is not required to qualify.¹
Disclaimers
¹ APY, rate tiers and qualification requirements: APY = Annual Percentage Yield. A minimum deposit of $1 is required to open a LiveUp Savings Account. A minimum average daily balance of $1 is required to earn dividends for the dividend period.
LiveUp Savings is a tiered-rate account. Each dividend rate applies only to the portion of the account balance within the applicable balance range.
To earn the premium dividend rates and corresponding APYs, the primary member must satisfy both of the following requirements during each calendar month:
- Be enrolled in eStatements; and
- Complete at least six qualifying transactions in the member’s LiveUp Spending Account.
The six qualifying transactions must occur in the LiveUp Spending Account. Transactions conducted in LiveUp Savings or another account do not satisfy the monthly transaction requirement.
If both requirements are met, the premium dividend rate and corresponding APY apply to the portion of the LiveUp Savings balance from $1 through $10,000. The dividend rate and corresponding APY for balances above $10,000 apply only to the portion of the balance of $10,000.01 or greater.
If either requirement is not met, the standard dividend rate and corresponding APY apply to the entire LiveUp Savings balance for that calendar month.
Qualifying LiveUp Spending transactions include deposits, withdrawals, transfers, ACH transactions, debit card purchases, ATM transactions and transactions completed at a branch. Pending, disputed, refunded, reversed, canceled or erroneous transactions do not qualify. Notes, comments and other nonfinancial account activity do not qualify as transactions.
Round Up enrollment is optional and is not required to earn the premium APY. Dividend rates and APYs are variable and may change at any time, as determined by the Credit Union’s Board of Directors. Fees may reduce earnings. Please refer to the Rate Schedule for current dividend rates and APYs.
² Digital Banking: Online and Mobile Banking are offered at no charge by Arise Financial. You may incur and are responsible for charges assessed by your mobile carrier. Message and data rates may apply. Mobile Check Deposit is subject to eligibility and additional terms and conditions.
³ Round Up: Round Up is an optional feature available through an eligible LiveUp Spending Account and debit card. Enrollment in Round Up is not required to earn the premium LiveUp Savings APY. Round Up requires an active eligible checking account and an active designated savings account. Please refer to the LiveUp Spending page and Debit Card Round-Up Savings Program Disclosure for complete eligibility requirements, terms and conditions.
⁴ Dividend calculation and crediting: Dividends are calculated using the average daily balance method and are compounded and credited monthly. The average daily balance is calculated by adding the principal in the account for each day of the dividend period and dividing that amount by the number of days in the period. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends on noncash deposits, including checks, begin to accrue on the business day the deposit is made.
⁵ Account limitations: LiveUp Savings is limited to one account per primary member. A member may be a joint owner on another member’s LiveUp Savings Account.