A vacation. An emergency fund. A new car. Something special. Whatever your goal, having a plan can make it easier to get there.

A good place to start is with a S.M.A.R.T. savings goal:

• Specific: Decide exactly what you're saving for.
  
  
• Measurable: Set a specific dollar amount you want to reach.
  
  
• Attainable: Choose a goal you can realistically achieve.
  
  
• Realistic: Determine how much you can comfortably save while staying within your budget.
  
  
• Timely: Give yourself a target date and check your progress along the way.

An Easier Way to Put Your Goal Into Action

My Savings Center in Digital Banking gives you tools to organize your savings around the things that matter to you.

Create savings goals within your account, set a target amount and date, and track your progress in one convenient place. Whether you're building an emergency fund, planning a vacation, or saving for a special purchase, you can see how you're progressing toward each goal.

Want to make saving even more automatic? With Roundup Savings, eligible debit card purchases are rounded up to the nearest dollar and the difference can be automatically put toward your savings, donated to CHOC Foundation, or split between both.

More Ways to Build Your Savings

My Savings Center isn't the only way to work toward a goal. Digital Banking also gives you tools to create a savings routine that works for you.

Set Aside Part of Your Income

Make saving part of payday with Direct Deposit. You can have part of your income deposited directly into savings, helping you contribute consistently without having to remember to move the money yourself.

Your OCFCU routing number is 322281989. You can find your account number in Digital Banking.

Set Up Automatic Transfers

Consistency can make a big difference. Schedule recurring transfers into savings, such as every payday, to keep making progress automatically.

Track Your Progress

Check in regularly to see how your savings are growing. You can also set up account alerts in Digital Banking and choose to receive notifications by text, push notification, or email.

Resources

• Bank With Us
• Relationship Rewards Program
• Digital Banking
• Is My Money Safe?

Trust accounts, Business accounts, and Fiduciary accounts are not eligible to participate in Round Up Savings. Members with a non-U.S. address are not eligible to participate in Round Up to Charity. Refer to our Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement for terms and conditions applicable to your accounts. Federally insured by NCUA.

Roundup for Savings Program: You must be 18 years of age or older to enroll in the Round Up Savings Program. For each eligible settled debit card transaction you make we will round up the amount of any debit card purchase associated with the enrolled Checking or Savings Account to the nearest whole dollar and transfer the excess of the settled purchase amount to your enrolled share account. If you receive a new debit card due to your current card being lost, stolen, or reissued, your participation in the program will continue. There is no need to re-enroll in the program. If on any given day your checking account does not have sufficient available funds to round up, no transfers to savings will occur. Transfers will not be retried and will resume for eligible transactions the next day that sufficient funds are available. Round ups can be instantly disabled at any time.

Donations are made to Spiral Giving Network, Inc. (SGN), a 501(c)(3) charity, which takes legal control of donations and disburses funds to your selected causes or recommended charity. Charities will receive donations, less fees to SGN. SGN donation processing fees are 2.05% of your round-up amount. Donations are generally non-refundable, any donation that was made in error or was not authorized by you will be reviewed on a case by case basis. Refunds are not guaranteed.