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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

SmartStart Savings Account

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

Open an Account (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

1.50% APY* Welcome Certificate

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

  • 18 months
  • $500 minimum; $250,000 maximum per member
  • New money only‡

Open an Account (PDF)
Please print an application (PDF) to open accounts for minors (age 18 and under).

Terms and Conditions

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 Welcome Certificate.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 06/29/2022 and are subject to change without notice. $500 minimum; $250,000 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.

‡New money is money that is not presently on deposit at Christian Community Credit Union. Any monies deposited less than 30 days at CCCU will also be considered new money. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.

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