Change Jar
Round up your purchases and the extra money transfers into your savings account at the end of every business day.2
A Year of Savings
Build your Smart Savings monthly & get chances to win all year long!
Turn Smart Saving Into Real Rewards
Deposit and maintain at least $500 in your Smart Savings account each month to earn one entry per month into our $1,000 drawings—giving you up to 12 chances to win, plus an automatic entry into our $5,000 grand prize in January 2027.
How to maximize your entries:
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Make and maintain a $500 deposit into your Smart Savings every month (can be made in multiple deposits). | |
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At the end of the year, all eligible entries will be entered into $5,000 Grand Prize. |
Not a Member? Join & Start Saving.
Open your account online, in-person at your local branch, or over the phone at 800-772-4000.
Tools to Help You Save
Early Direct Deposit
Set up automatic Direct Deposit into your Smart Savings to help you reach the $500 minimum deposit. Plus, see your money appear in your account up to two days faster.3
ClickSWITCH™
Easily move over your our automatic payments and Direct Deposit in just a few minutes.
Premier America Credit Union is a full-service financial institution with branches in California and Texas. You may also conveniently join and open your Premier America account online.
Disclosures
1Year of Savings Promotion is open to Premier America Credit Union members age 18+; excludes Team Members, Board Members, and their families. Deposit and maintain $500 for every month through the 15th of the following month, Jan. 1–Dec. 31, 2026, in a Smart Savings account to qualify (one entry per month, up to 12 entries total). One monthly winner will be randomly selected from all eligible entries each month and notified via email by 20th of the month; and one grand prize $5,000 winner will be selected in January 2027 from all eligible entries. Each prize will be deposited into the winner’s Smart Savings account within five days upon acceptance. Odds of winning depend on number of eligible entries received. Winners are responsible for all applicable taxes; member will receive a 1099 Form. Promotion ends December 31, 2026. An initial deposit of $1 in a Consumer Share Savings is required to join Premier America. Federally Insured by NCUA. See official rules.
2When you enroll in the Change Jar savings program, the amount of any one-time debit card purchase by you or an authorized card holder of your consumer Checking Account (business checking accounts and money market accounts are not eligible) will be rounded up to the next dollar. Only one time debit card purchases (PIN and signature-based transactions) are eligible for the program. The amount in excess of the purchase will be transferred to your designated Smart Savings or Regular Savings account. If the debit card purchase is an even dollar amount, $1.00 will be transferred. Each day’s purchases will be aggregated, debited from your checking account and posted to your designated savings account in a single transfer (described as ‘Change Jar’ transfer) at the end of the business day. If you do not have sufficient available funds in your checking account to make the Change Jar transfer, or if any transaction has overdrawn your Checking Account, the Change Jar transfer will be canceled for that day. If your debit card purchase is canceled or reversed after the Change Jar transfer has been made, the corresponding Change Jar transfer will not be reversed and will remain in the savings account. The Change Jar program may be altered or canceled at any time.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date
2When you enroll in the Change Jar savings program, the amount of any one-time debit card purchase by you or an authorized card holder of your consumer Checking Account (business checking accounts and money market accounts are not eligible) will be rounded up to the next dollar. Only one time debit card purchases (PIN and signature-based transactions) are eligible for the program. The amount in excess of the purchase will be transferred to your designated Smart Savings or Regular Savings account. If the debit card purchase is an even dollar amount, $1.00 will be transferred. Each day’s purchases will be aggregated, debited from your checking account and posted to your designated savings account in a single transfer (described as ‘Change Jar’ transfer) at the end of the business day. If you do not have sufficient available funds in your checking account to make the Change Jar transfer, or if any transaction has overdrawn your Checking Account, the Change Jar transfer will be canceled for that day. If your debit card purchase is canceled or reversed after the Change Jar transfer has been made, the corresponding Change Jar transfer will not be reversed and will remain in the savings account. The Change Jar program may be altered or canceled at any time.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date