Personal Banking

Youth Program

Our Youth Program is our solution to helping your children or grandchildren save money and learn how to make smart financial decisions early in life.  From infancy into adulthood, Sperry FCU’s Youth Accounts grow as your children or grandchildren grow.

Gaining practical banking experience at a young age really pays…

  • Earn up to 5.00% APY on Youth Savings Account
  • Earn 0.20% APY on Youth Checking Account

Youth Savings Account

It’s never too early to start saving.

  • Everyone up to 21 years old is eligible
  • No minimum balance required to earn interest
  • Interest rates tiered based on account balance
  • Earn 5.00% APY on balances up to $1,000
  • Earn 2.50% APY on balances between $1,000.01-$2,000
  • Earn 0.25% APY on balances higher than $2,000.01
  • Unlimited FREE Credit Union Shared Branch Service Center transactions
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App
  • Deposit checks from anywhere using our Mobile Banking App’s FREE Remote Deposit Capture feature

Open

Youth Checking Account

It’s never too early to learn how to manage your money.

  • Everyone aged 15-21 eligible
  • No minimum deposit required
  • No minimum balance required to earn interest
  • Earn 0.20% APY
  • No monthly service fees
  • FREE VISA® Check Card to use at the ATM and for Purchases
  • FREE first box of checks
  • Unlimited FREE checks with active Direct Deposit
  • Unlimited FREE Credit Union Shared Branch Service Center transactions
  • Access to over 28,000 Surcharge-Free ATMs nationwide
  • Paperless e-statements available through Online Banking
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App
  • Deposit checks from anywhere using our Mobile Banking App’s FREE Remote Deposit Capture feature

Open

  • Equal Housing Lender
  • NCUANCUA
  • Norton by Symantec