SmartSaver Youth Certificate

Now is the time to jumpstart your child’s savings account while also instilling smart money management behavior. MFCU’s SmartSaver Certificate makes saving easy, with a minimum balance of just $100 and a 5.00% Annual Percentage Yield (APY).

Certificate Terms & Conditions

  • Members ages 0-17 1/2 only
  • Maximum certificate amount: $1,000
  • May be added to in $100 increments up to $500/month
  • Certificate matures upon child’s 18th birthday
  • Dividend rate reduced to 1.00% retroactively if funds withdrawn before maturity date and/or education requirements are not complete by maturity date.

To access their funds, SmartSaver Youth Certificate holders must complete a series of financial education classes on the following subjects:

  • Introduction to Draft Accounts
  • Budget Basics
  • Driving Home Your First Auto Loan
  • Surviving the Credit Card Onslaught

Youth Seminars are now being offered exclusively online! You can register to complete your required Smart Saver Education courses and then take them online at your convenience. Once we receive your submission, we’ll email your student credentials to you along with instructions for the Financial Education site MoneySKILL – interactive financial literacy modules designed specifically for youth.

Register Today

Our goal with our youth programs is to positively engage our younger members in financial education and help prepare them to be successful in their financial independence. If you have any feedback or ideas to improve our efforts to help our Youth Programs members become financial literate and independent, we’d like to hear from you! Please email us at