Swipe & Save

Here's how it works:  Save while you swipe your debit card.  When you make a purchase using your Heritage CU Debit Card, we round up the transaction amount to the next whole dollar, and transfer the rounded amount from your checking account to your savings or club account. 

It's FREE and easy to enroll.  All you need to participate is a credit union checking account, a debit card and a savings or club account.

For enrollment information call 866-269-9880.

Note:  The round-ups from your Debit Card purchases are accumulated and tranferred at the end of each business day from your Checking account to your savings or club account. The total transfer will be dispalyed daily as a single transaction ("ROUND POST") on your savings statement.  If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the Swipe & Save transfer for that day.   

 Share Insurance Update:

The National Credit Union Administration (NCUA) has increased share insurance protection on all accounts to$250,000.  The NCUA is the independent federal agency that regulates, charters and supervises federal credit unions. NCUA, with the backing of the full faith and credit of the U.S. government, operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of nearly 89 million accounts in all federal credit unions and the overwhelming majority of state-chartered credit unions. For more information on your share insurance, please visit www.ncua.gov.

• With the passage of the  Emergency Economic Stabilization Act of 2008, share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA), $250,000 as of October 3, 2008. To determine your insurance coverage, use the NCUA’s insurance estimator at www.ncua.gov/ins.