Baby steps for them. Big steps for their financial future.

Invest in your child's future with a Share Certificate earning up to 4.30% APY.1

BRIANNA G. AND FAMILY MEMBER SINCE 2012
Walter M. and Family - Member Since 2009
WALTER M. AND FAMILY MEMBER SINCE 2009

It's when your kids are at their littlest that saving will pay off the biggest. A share certificate, similar to a bank CD, is a great first step. It holds a fixed amount of money for a set period and offers a higher return instead of a regular savings account. While your little ones are growing, so will their savings.

We offer options that fit every family, with an initial deposit as low as $200.

Compare our 37-Month Promotional and College Saver Share Certificates. Then visit a branch to open one for your child along with their own Credit Union Membership. You'll only need their Social Security number and a form of identification, like their birth certificate.

Your child's savings don't have to crawl just because they do.

37-Month Share Certificate

Deposit a single amount and earn 4.30% APY.1

If you're looking for a low maintenance, set-it-and-forget-it account, open with as little as $500.

College Saver Share Certificate

Make unlimited monthly deposits and earn 4.25% APY.2
If you want the flexibility to add funds whenever you want, open with as little as $200.

Build savings for important expenses for your kids, both short term and long term:

 

Clothing, shoes and other essentials.

 

Sports, music lessons and other enrichment programs.

 

Medical expenses or unexpected health costs.

 

College tuition or other education expenses.

 

A dream vacation or study abroad experience.

 

Future milestones, like their first car or even a home.

Why Share Certificates?

 Higher Dividends

Better rates than regular savings so your money grows faster.

 Fixed Rates

Your rate is locked in — even if rates go down during the term.

 Secure

Your savings are federally insured by NCUA up to $250,000.

 Disciplined

Helps you stay committed to your savings goals.

Get started by opening a Membership for your child today.3

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Join Online

Log in to start your Youth Membership application.

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Join at a Branch

Stop by or schedule an appointment.

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Have Questions? Give Us a Call.

We’re happy to help answer any questions you may have.  

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Disclosures
APY = Annual Percentage Yield. Rates quoted are effective as of 05/30/2025 and are subject to change without notice.
 
  1. Minimum $500 to open a 37-Month Promotional Share Certificate. Early withdrawal/account closure subject to penalty; fees may reduce earnings on the account. At maturity, account automatically renews into a standard term certificate for the same term at the current rate.
  2. $200 to open a 12-Month College Saver Share Certificate. Limit one per minor. Available only on Varsity and Junior Varsity Accounts. Early withdrawal/account closure subject to penalty. Fees may reduce earnings on account.
  3. Junior Varsity Club Memberships (age 12 and under) require a parent/legal guardian joint owner on all shares; Varsity Club Memberships (age 13–17) require a parent/legal guardian joint owner on certain products and services.