Youth Share Accounts
Members under age 18 may open a Youth Share Account with a par value of $5.00.
The minimum balance required to earn dividends is $5.00.
Youth are encouraged to save with special promotions and seasonal savings events.
Youth Accounts
Youth Certificates of Deposit
For our young savers, up to age 18, we offer a Youth Certificate of Deposit. This unique product may be opened with as little as $300 and will accept additional deposits of at least $100 during its term. You may choose a term from 6 to 60 months. Rates are subject to change at any time and there may be a penalty for early withdrawals.
Reasons YOU Should Get a Youth Account:
- Establishes Membership
- Earn Competitive Dividends
- Free digital banking services
- No monthly service fee
- Access to a debit card
Students under the age of 18 require:
- A Social Security Number
- A $5 Par Value Deposit
- A Parent or Guardian Joint on the Account
Youth Certificates of Deposit
Effective Date: July 1, 2025
Minimum Balance to open: $300.00
Additional Deposits of a minimum of $100 are allowed
| Months | APR | APY |
|---|---|---|
| 6 | 1.500% | 1.508% |
| 12 | 1.600% | 1.610% |
| 18 | 1.700% | 1.711% |
| 24 | 1.800% | 1.812% |
| 36 | 1.900% | 1.914% |
| 48 | 2.000% | 2.015% |
| 60 | 2.100% | 2.117% |
| Rates are subject to change at anytime. Dividends on certificates of deposit are compounded quarterly and paid quarterly or monthly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts. Contact us for answers to questions. | ||