Youth Savings

• For savers 17 years old and younger
• Earn competitive dividends on balances over $250
• Dividends deposited monthly
• Can be transferred to a share savings account when member turns 18
• No monthly maintenance fees
• No minimum balance requirements
• Kids 12 and under can enjoy special perks:
  • Receive a small gift when during branch visits
  • Receive a Super Saver Certificate and an extra $10 when deposits reach $150
• Free eServices
• Direct deposit available
• $5 minimum deposit to open

The Magic of Saving Starts Here! 

Celebrate Credit Union Youth Month with a Special Certificate Just for Members 17 & Under.

This April, SMW Financial Credit Union is casting a spell of smart saving for the next generation!

For a limited time, young members can open a Youth Certificate and earn an enchanting 5.00% APY*—a powerful way to grow their savings and build healthy financial habits early.

Here’s How the Magic Works:

• Who’s eligible? Members age 17 and under
• How much to start? Just $250 minimum deposit
• How long? A quick 5-month term
• How much can they earn? A magical 5.00% APY* on balances up to $5,000
• When? Available April 1–30, 2025 only!

Whether they're saving for something special or just learning how to manage money, this limited-time offer is the perfect way to unlock the magic of smart saving.

Let’s grow something great together—starting with a little financial magic. 

*APY = Annual Percentage Yield. Certificate term is for 5-months at 4.89% rate. Rates are subject to change, end, or extend at any time without notice. Limited-time offer available 4/01/2025 - 4/30/2025. Members can open regular Certificates with a minimum deposit of $250 and up to $5,000. Certificate is available for members 17 years of age and under. Penalty for early withdrawal. Membership eligibility is required. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your account. Federally insured by NCUA.