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SmartStart Savings for Kids

Learning good stewardship as a child can pave the way for a life of financial responsibility. A Savings Account can be a great way to teach kids about stewardship. Whether your child or grandchild wants to save up for a new bike or their future education, it all starts here. Teaching children to save will help them prepare for adulthood and their own family’s future.

Here are our SmartStart Accounts for minors.1

Note: To open an account for a minor, the Custodian must be a member and the minor must meet eligibility requirements.

SmartStart Savings Account

  • Open an account for as little as $25
  • No Monthly Fee
  • Earns Interest

Open an Account (PDF)

Transfer to Minor* (PDF)
Please print an application (PDF) to open accounts for minors (age 18 and under).

Terms and Conditions

* Must submit Transfer to Minor form with application
1) All accounts for minors are opened under CUTMA, the California Uniform Transfers to Minors Act. CUTMA allows an adult to act as the custodian of property for a child.

New Member Certificate

4% APY* New Member Welcome Certificate

Have more funds available? Our New Member Welcome Certificate allows your child or grandchild to save more and earn more!

  • 18 months
  • $500 minimum; $10,000 maximum per member
  • One certificate per new member and opened within 30 days of joining the Credit Union

Open an Account (PDF)

Transfer to Minor* (PDF)
Please print an application (PDF) to open accounts for minors (age 18 and under).

Terms and Conditions

Must be opened within 30 days of joining the Credit Union. One certificate per new member. At maturity, the certificate will renew into a 12-month term share certificate at the prevailing rate. A penalty will be imposed on early withdrawals from certificates. IRA not available for New Welcome Certificate.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 07/18/2019 and are subject to change without notice. $500 minimum; $10,000 maximum.  Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

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