Grow Your Change
Turn spare change into steady savings without breaking a sweat.
GROW YOUR CHANGE SAVINGS
Easy automatic savings with every buy!
Saving more money doesn’t have to mean setting reminders and breaking out the spreadsheets. It works best when it’s easy—which is why Grow Your Change is built around automatic transfers that you don’t have to think about, and small savings amounts that don’t hurt your cashflow but still add up to lots of extra cash!
Every time you swipe or tap your orsa debit card, we’ll round up your purchase to the nearest dollar and put that spare change into any orsa savings account you’d like. Even High Yield Savings! We’ll do the work—you just watch your money grow.
Grow Your Change Benefits
Swipe, save!
Take the work out of working towards your Impossible Dreams!
Cashflow friendly
Saving in small amounts is easier to commit to, but it still stacks up over time when you’re doing it all the time!
CloseEnuff™ connected
It’s our way of putting savings power into the overdraft-buffering, purchase-splitting, early paying goodness of your CloseEnuff™ checking account!
Automated ease
Automatic savings transfers take the reminder-setting and stress out of saving. You just keep on living life, and we’ll help build your balance in the background.
Simple digital control
Set up Grow Your Change in just a few clicks on our digital banking app. You can get started any time, even in the middle of the checkout line!
Grow Your Change Savings Details
Give your spare change an upgrade
Change adds up, even without checking the couch cushions.
- Round up every debit purchase to the nearest dollar
- Automatically transfer all rounded up change to your savings
- Connects to any orsa savings account you choose, High Yield included! (With a standard Grow Your Change Savings Account available, as well)
- No fees with at least one transfer every six months or with a minimum $100 account balance
- Pause or cancel transfers at any time
High Yield Savings
Grow faster with 10% APY**
Take all that change you’ll be growing to new heights by pairing it with our High Yield Savings Account. Boasting 10% APY** on your first $1,000 and boosted rate beyond that, there’s no need to sacrifice savings-speed for simplicity!
Savings Account Rates
Date Updated Mar 11, 2026
Minimum to Open | Minimum to Earn Dividends | Dividend Rate | APY* |
|---|---|---|---|
Basic Savings |
|
|
|
$5 | $100 | 0.05% | 0.05% |
High Yield Savings |
|
|
|
$5 | $0 | 9.57% | 10.00% on balances up to $1,000* |
|
| 0.10% | 0.10% on balances up to $1,000* |
Kids Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
Holiday Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
IRA Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
Health Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. Goal Setter Accounts require monthly auto deposits to earn dividends, subject to penalty for early withdrawal. Rates are subject to change at any time. orsa credit union membership is required. orsa Fee Schedule.
Get Grow Your Change Savings
Start Growing Your Change
Ready to get the growing going? A CloseEnuff™ checking account is all it takes to get started!
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Spot monthly subscriptions. Collect them all in one place. And even cancel what you don’t want right from digital banking. No extra apps. No extra subscriptions. All free for orsa members!
Frequently Asked Questions
Grow Your Change Savings FAQ
You have questions, we have answers. Learn more about orsa’s Grow Your Change Savings here.
Other ways to save
The place for savers
We’ve got something for just about any savings goal, whether that’s a speedy start with our High Yield Savings Account, steady growth with a long term, low-effort CD, or the flexibility to spend and save with a Money Market.
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Looking to make your Impossible Dreams possible? Your membership can help make it happen!
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