Big Savings Can Start Small

Struggling to find extra money for your savings account? With bills and essential expenses, it’s easy for savings to take a back seat. But with The Focus Federal Credit Union Savings Assist program, saving becomes a breeze. 

TFFCU Savings Assist is the modern-day version of the change jar. Every time you use your Visa check card, we’ll round up each purchase by the amount you designate from 25 cents to $2 more than your purchase. At the end of the day, TFFCU will transfer the difference into your savings account. You get to watch your savings account balance grow without any direct action from you.

The Focus Federal Credit Union Savings Assist program is a valuable, effortless savings tool that operates seamlessly with your daily transactions. Every purchase you make with your Visa check card is rounded up to the amount you specify. The difference is funded by your checking account and transferred to your designated savings account at the end of each day.

Our program is designed with you in mind, making it user-friendly and a perfect fit for those who already save regularly. The round-up feature can help you grow your funds faster without any added stress or effort.

Focus Federal Credit Union Savings Assist program offers:

• Financial Growth. Using your debit card for regular transactions can significantly boost your savings with the spare change sent over.         
• Automatic Savings. Savings are automatic. You set them and forget them. Automation encourages healthy financial habits and gives you a sense of security and control over your finances.
• Visible Financial Progress. Watching your savings account balance grow, even by small amounts every week, can motivate you to save more and reach your goals faster.

With The Focus Federal Credit Union Savings Assist program, you can effortlessly save for your dream vacation, home improvements, or emergency fund. This free program is open to all TFFCU members with a checking account and an active debit card, offering you a convenient way to achieve your financial goals. 

Adding the round-up feature to your debit card is easy. Simply visit any branch location or get in touch with a TFFCU Financial Services Representative at (405) 230-1328, and we’ll take care of the rest.

Your financial journey will likely evolve over time. Establishing positive financial habits that work for you will put you on track towards a secure financial future. 

Once you establish your Savings Assist Program, you’ll want to:

• Set Goals. Define savings goals that motivate you. Are you saving for a new car, a dream vacation, or a home improvement? Determine what you’re saving for and consistently work toward your set goals.
• Build a Budget. A budget is your financial roadmap, guiding your daily expenses and long-term financial goals. With a budget, you clearly understand your income and expenses.
• Cut Spending. Observe where your money is going and look for places to cut back.

TFFCU’s Money School offers resources to help.

What is a round-up savings account?

The round-up program is a simple way to grow your savings. You save by rounding up your debit card purchase to your chosen amount. To set this up, you need to link your TFFCU Visa debit card to your chosen TFFCU savings account. Once set up, your designated round-up amount is automatically transferred from your checking to your savings account every time you make a purchase. 

How does round-up savings work?

You automatically add to your savings when you use your TFFCU Visa debit card to pay for everyday purchases. Let’s say you use your debit card to buy a coffee for $3.50. With round-up savings, TFFCU rounds up the transaction to an even $4, and you get 50 cents transferred to your savings account. This also applies to other purchases like groceries, gas, or even a movie ticket.

Now, 50 cents might not sound like much, but consider the potential savings over time. If you buy five coffees per week, you’ll end up with an extra $130 in savings over a year. The more transactions you make, the more you put toward your savings, offering a significant boost to your financial health.

Is there a service charge or fee for the Savings Assist Program? 

No, there are no service charges or fees to enroll in or use the TFFCU Savings Assist program.