YOUR PASSPORT
TO OWNERSHIP
Introducing CoRe Ownership Savings. A rewards savings account designed exclusively for members who do more with their credit union.
WHAT IS CORE OWNERSHIP?
CoRe Ownership Savings is more than a savings account. It's a reward system for members who truly embrace credit union membership.
The more products you use, the more you earn. Your loyalty translates directly into higher returns on your savings.
LAUNCH RATE: 8% APY*
Limited-time introductory rate for qualifying members.
OWNERSHIP HAS ITS BENEFITS
EARN MORE
Higher APY than standard savings. Your ownership pays dividends.
LOYALTY REWARDED
True membership means true rewards. Commitment counts.
USE MORE
Every product you use increases your earning potential.
8% LAUNCH APY
Exclusive introductory rate. Limited time for qualifying members.
EXISTING MEMBERS
MANUAL ENROLLMENT REQUIRED
- 1
Log in to Online Banking
Access your account through our website or mobile app.
- 2
Open Core Ownership Savings
In Online Banking, select “Additional Services” and choose Core Ownership Savings.
In Mobile Banking, select "Bank" from the bottom navigation and choose Core Ownership Savings.
- 3
Enroll in Loyalty Products
Add qualifying products to maximize your APY rate.
-
Start Earning
Your high-yield savings account is now active.
NEW MEMBERS
NO ENROLLMENT NEEDED
When you join CRCU and open a checking account, your CoRe Ownership Savings account is automatically created and linked.
- Instant access
Your account is ready from day one
- Immediate benefits
Start earning competitive rates
- Seamless integration
Automatically linked to checking
- Full feature access
All funding options available
Your premium ownership status is activated automatically.
WAYS TO BOOST YOUR SAVINGS
CRCU DIVIDENDS
Do more with the interest you earn! When you enroll your savings, certificate, or another eligible deposit account, we will automatically transfer the interest you earn to your high-yield Core Ownership Account.
SWIPE & SAVE PROGRAM
Transform your everyday purchases into savings opportunities.
- Automatic round-ups
- Dollar transfers
AUTO REFINANCE INCENTIVE
When a member refinances their auto loan from another institution, $100 will be transferred to your Ownership Account. Go to Auto Refinance →
NEW REWARD CHECKING
When you open a New Reward Checking account with qualifying activity, $150 will be transferred to your Ownership Savings Account. Go to Reward Checking Promotion to Learn More →
FAQS
Funds are deposited through CoRe Perks — a collection of services and programs designed to reward your loyalty. Current CoRe Perks include:
- Round Up — spare change from debit card purchases is rounded up and deposited
- Swipe & Save — earn deposits just by using your debit card
- Dividend Transfers — interest you earn on other CRCU accounts can flow here automatically
- Promotional programs — including Refer-a-Friend, Auto Refi, and EZ Banking promotions
We're always working to add more ways to earn, so stay tuned.
The CoRe Ownership Savings is designed specifically to reward your participation with the credit union — that's what makes it different from a traditional savings account.
If you're looking to set money aside manually for goals like emergencies, vacations, or retirement, we have traditional savings account options that are a perfect fit. Ask us about pairing both!
Your funds are always available to you. You can access your CoRe Ownership Savings through:
- Online Banking or Mobile Banking (transfers out)
- Calling or texting us
- Visiting any branch teller
Withdrawals can be made as cash, transfers, or even a cashier's check.
The CoRe Ownership Savings cannot be linked to a debit card or used at an ATM directly. However, you can transfer your funds into any of your CRCU accounts that have debit or ATM access — anytime, instantly through online or mobile banking.
- New members — Starting at launch, all new General and Minor Memberships (ages 14–17) include a CoRe Ownership Savings automatically. Nothing extra to do; it's part of your membership from day one.
- Existing members — If you already have a membership, you can easily add a CoRe Ownership Savings at any branch, through Virtual Branch, or via online or mobile banking.
MEMBER OWNED. MEMBER FOCUSED.
BOARDING NOW
OPEN YOUR CORE OWNERSHIP SAVINGS
*APY=Annual Percentage Yield. APYs, terms, and conditions are accurate as of -04/06/26 and are subject to change without notice. $5.00 minimum to open.
Upon enrollment, there is the option to have dividends accrued monthly posted to a (non-IRA) savings account or (non-IRA) certificate to your Ownership Share on the last business day of each month. A limit of $3000 applies each calendar year. Once the limit is reached, dividends will be credited to the originating account. Transfers into the CoRe Ownership Savings will automatically resume at the beginning of the following year. Subject to change or cancellation at any time. Eligible accounts include Regular Savings, Money Market, Certificates, or Reward Checking.
Upon enrollment, there is the option to sign up for Swipe & Save, which allows the round up your CRCU debit card purchases to the nearest dollar or the set amount of $1.00 and transfer the difference from your checking account to your Ownership Savings once each day in a single transfer ("Sav RndUp” or "Sav Auto” transfer). The checking account balance must be sufficient to process the transaction. The transaction will not occur if the account balance is zero, negative or becomes zero after the round-up transaction. The Swipe and Save program is subject to change at any time. Contributions through the Swipe & Save program are limited to $500 per calendar month and $1,000 per calendar year. Once either limit is reached, no additional Swipe & Save transfers will occur for the remainder of the applicable month or year. Any dividends earned will remain in the originating share, or for Swipe & Save transactions, will be credited to the designated alternate share or the originating checking account, as applicable.
Limits are subject to change.
Funds can be withdrawn through online or mobile banking, by calling or texting our team, or at a branch. Withdrawals cannot be processed via debit cards, checks, or ACH transfers.
Available for consumer accounts only.
Membership eligibility required. Programs subject to change without notice; other restrictions may apply.
Zero Liability applies to transactions that have been promptly reported and determined by CRCU as unauthorized, subject to terms and conditions in accordance with CU's Electronic Funds Transfer Agreement. If there are any questions, please contact 1-800-238-3228.