Young girl holding lots of cash

True Youth Share Certificate

Secure Your Child's Future with a True Youth Share Certificate!

Designed specifically for young savers, our certificate offers a fixed rate and the flexibility to make additional deposits over time. This unique learning platform mimics an adult account, teaching your child money management principles. The True Youth Share Certificates also instill the value of patience and disciplined saving, fundamental skills for lifelong financial success.

Budget, Earn, Save


  • A $25 minimum starting deposit

  • Allows additional deposits of $25 or more

  • Dividends are paid monthly

  • Designed for those under 18 years old to learn about saving and investing

  • Better returns than savings accounts

True Youth Share Certificate Accounts

Share Certificate Rates - Effective as of July 1st, 2024

$25 to $5,000

Term Dividend Rate Annual Percentage Yield
12 mo. 4.45% 4.45%
  • A minimum deposit of $25 is required
  • Dividends are paid monthly to the membership savings account
  • No monthly account/service fees
  • Funds must remain on deposit for the term of the certificate or penalties will apply as follows:
    • 1. Terms of 12 months or less - 90 days dividends
  • Please see Fee Schedule
  • Fees could reduce the earnings on the account
  • Rates subject to change without notice
  • One youth share certificate allowed per child's social security number
  • The True Youth Share Certificate, upon maturity of the account if the account holder has reached eighteen (18) years of age, the account will close and funds will be transferred to the Membership Savings account

Opening a True Youth Share Certificate

Our True Youth Share Certificate account can be opened at any of our lobby locations and will require a True Youth Savings Account.

Don't have a True Youth Savings Account? You'll need the following:

  • Child's birth certificate or government issued ID. If the child is 16 or older, they must have a government issued ID.
  • Child's Social Security Number
  • Adult 18 years old or older as a joint owner, with their government-issued ID and Social Security Number.
  • $5 deposit required to remain in the True Youth Savings Account as their share of the credit union for as long as the account is open

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