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Great Lakes Credit Union
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Great Lakes Credit Union

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      • Lost or Stolen Debit/Credit Cards
      • Switch Kit
      • Order Checks
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      • Overdraft Protection Services
      • Understanding ATM Fees
    • Savings
      • Share Savings
      • Holiday Savings
      • Special Savings
      • Youth Accounts
      • Member Rewards
      • Understanding ATM Fees
      • Understanding Regulation D
      • Deposit Insurance
    • Money Market Accounts
    • Certificates
      • Share Certificates
      • Right Start Share Certificates
    • Health Savings Account (HSA)
      • FAQs
    • Special Accounts
      • Estate Account
      • Power of Attorney (POA)
      • Representative Payee/FBO Account
      • Trust Account
    • Printable Forms
    • Account Disclosures
    • Privacy Policy
    • Financial Calculators
    • Fraud Protection
      • Fraud Alerts
      • Security Statement
    • Education and Housing Counseling
  • Borrow
    • Credit Cards
      • Lost or Stolen Debit/Credit Cards
      • Visa® Restrictions & Travel Alerts
      • Visa® Checkout
      • Cardholder Printable Forms
    • Mortgages
      • Mortgage Information
    • Home Equity
      • Fixed Rate Second Mortgage
      • Interest Only Home Equity Line of Credit
    • Vehicle Loans
      • New Car Loans
      • Used Car Loans
      • Auto Loan Refinance
      • Motorcycle Loans
      • Boat Loans
      • Auto Rate Discounts
      • Vehicle Insurance (Auto & Homeowners)
      • Auto Loan Payment Calculator
      • Auto Buying Toolkit
      • Skip-A-Payment
    • Personal Loans
      • Lifestyle Loan
      • Cash-In-A-Flash Loan
      • Skip-A-Payment
    • Student Loans
      • College Resource Center
    • Small Business Lending
    • Debt Protection
    • Guaranteed Asset Protection Plus
    • Mechanical Repair Coverage
    • Loan Printable Forms
      • Direct Payment Form
      • Loan Due Date Change Form
      • Skip-A-Payment
  • Invest
    • EasyVest
    • Certificates
    • GLCU's Financial Advisory Center
    • Individual Retirement Accounts (IRAs)
      • IRA Savings
      • IRA Money Market Accounts
      • IRA Share Certificates
      • Catch Up Contributions
  • Business Services
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  • 24/7 Access
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        • Online Mobile Agreement
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      • Understanding ATM Fees
  • About Us
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    • Foundation for Financial Empowerment
    • Community Giveback
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    • Member Rewards
    • GLCU Scholarships
    • Blog
    • Newsroom
    • Security
    • Disclosures
  • Rates and Fees
    • Deposit Rates
    • Consumer Loan Rates
    • Home Equity Rates
    • Fee Schedule
    • Business Fee Schedule
    • Mortgage Rates

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Student Loans

Great Lakes Credit Union has everything you need to help manage your money and plan for the future.

Learn More about Student Loans

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Routing #271984832 | NMLS #528665

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Student Loans

Great Lakes Credit Union has everything you need to help manage your money and plan for the future.

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HomeBankCheckingSpend & Save Program

Spend & Save Program

Grow your Savings with GLCU Spend and Save

Saving should be easy. Spend and Save makes it automatic.

When you use your debit card, Bill Pay, or write a check, we’ll round up your ‘change’ to the nearest dollar and transfer that amount from your GLCU Checking Account to the GLCU Savings Account of your choice*.

 

Saving On Easy Mode

Spend and Save 2023

Set

Spend

Save

Call us at (800) 982-7850, Live Chat, or visit a branch to activate Spend and Save

Use your debit card, Bill Pay, or write a checkGLCU rounds up each transaction and transfers from your checking to your savings account.

A Savings Plan that Doesn't Require Planning

Channel your daily expenses into automatic savings growth. Learn how Spend and Save helps you transfer money from your checking to your savings account on qualified transactions.

Spend and Save Program

ItemPurchase AmountTotal Amount Deducted from Checking (Includes purchase amount + your roundup 'change')Amount Transferred to Savings at End of Day (Your 'change')
Gas$25.51$26.00$0.49
Groceries$89.52$90.00$0.48
Coffee$4.32$5.00$0.68
Total$119.35$121.00$1.65

Start Saving Today!

 

Savings Resources

Saving at Any Age

Whether you are a parent trying to instill this habit in your children or you want to change your own saving behaviors, there are strategies that savers of all ages can develop.

LEARN MORE

Saving for the Unexpected

For those of us who struggle with saving for the unexpected or are saving but don’t have that three to six month amount accumulated, our confidence might be shaken because we haven’t met this standard

LEARN MORE

Money Market vs Certificates of Deposit: Which is better for your savings goals?

As with any financial decision you make, it’s important to understand the positives and negatives of each type of deposit account.

LEARN MORE

Spend and Save Program Terms and Conditions:

Enrollment:

There is no cost to enroll in the Spend and Save program. Members may cancel participation at any time but will not receive any notification of confirmation if they initiate the cancellation. Only Free Checking Accounts are eligible. Once a member is enrolled, the transfer may only occur from the GLCU checking account to a designated share account that is under the same account number.

*Eligible Savings Accounts:

  • Share Savings

  • Special Savings

  • Money Market

  • Holiday Savings

  • Money Mammals

  • Right Start Share Certificate

  • President’s Club Savings

  • Young Adult Savings

  • Grand Advantage Savings

Ineligible Accounts:

Organizational/Business Accounts, Individual Retirement Accounts (IRAs), and Health Savings Accounts (HSAs).

Qualifying Transactions:

PIN-based debit transactions and signature-based debit used as credit transactions; Bill Pay transactions that the member schedules from GLCU; checks cleared; ACH withdrawals initiated from outside companies on behalf of the member (member allows third party to make withdrawal)

Note: All debit cards associated with a member’s checking account will be linked to participate in the program.

Transactions Disallowed:

ATM transactions and/or the ATM fees, and adjustment transactions do not qualify for inclusion in the program. If a purchase is cancelled or reversed after the funds have been transferred into the member’s savings account, the funds will remain in the savings account.

How the Spend and Save Program Works

At the end of each business day, each qualifying transaction amount will be rounded to the next whole dollar. The aggregate of all qualifying transactions in a day will transfer from the member’s GLCU checking account to the designated savings account with the same account number as a single transaction. The transfer amount will not overdraw an account. GLCU may cancel or modify the Spend and Save Program at any time.

Example Single Transaction:

If a member spends $25.51 at the gas pump, the transaction that posts to his/her account will be $25.51 and at the end of the day, the roundup amount of $0.49 will be deducted from his/her GLCU checking account as a separate transaction and transferred into his/her designated GLCU savings account.

Example Multiple Transactions:

If a member spends $89.52 on groceries and then stops at a coffee shop and purchases a beverage for $4.32, both transactions will post to his/her GLCU checking account separately, but at the end of the day, the roundup amount of $1.16 will be deducted from his/her checking account and transferred to his/her designated GLCU savings account as a separate transaction.

  • Checking
    • FREE Checking
    • Fresh Checking
    • Club Accounts
    • Spend & Save Program
    • Check/Debit Card
    • Lost or Stolen Debit/Credit Cards
    • Switch Kit
    • Order Checks
    • Direct Deposit
    • Overdraft Protection Services
    • Understanding ATM Fees
  • Savings
  • Money Market Accounts
  • Certificates
  • Health Savings Account (HSA)
  • Special Accounts
  • Printable Forms
  • Account Disclosures
  • Privacy Policy
  • Financial Calculators
  • Fraud Protection
  • Education and Housing Counseling
  • Checking
    • FREE Checking
    • Fresh Checking
    • Club Accounts
    • Spend & Save Program
    • Check/Debit Card
    • Lost or Stolen Debit/Credit Cards
    • Switch Kit
    • Order Checks
    • Direct Deposit
    • Overdraft Protection Services
    • Understanding ATM Fees
  • Savings
  • Money Market Accounts
  • Certificates
  • Health Savings Account (HSA)
  • Special Accounts
  • Printable Forms
  • Account Disclosures
  • Privacy Policy
  • Financial Calculators
  • Fraud Protection
  • Education and Housing Counseling
Credit Cards

Tired of window shopping?

Choose an Everyday Rewards Credit Card or a Low-Rate Visa Credit Card to ensure your hard-earned money works even harder for you.

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P.O. Box 1289, Bannockburn, IL 60015 © 2023 Great Lakes Credit Union. All Rights Reserved.

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