If you want people to save $1000 then raise the interest rate for the first $1000 in savings. Right now it maxes out at $500 and then the interest rate goes to practically nothing! So I put $500 in savings and take my other $500 to another credit union that pays a high percentage for the first $500. You don't really want that, right? So give me a high interest rate on $1000 in savings and I will put $1000 in my savings account.