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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.

  • All SAFCU members up to 21 years old are 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 and SAFCU's award-winning 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.

  • All SAFCU members ages 15 to 21 are eligible!
  • No minimum deposit required to open, and 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 5,600 shared branch service centers and nearly 30,000 Surcharge-Free ATMs nationwide
  • Paperless e-statements available through Online Banking
  • 24/7 account access with our FREE Online Banking and SAFCU's award-winning FREE Mobile Banking App
  • Deposit checks from anywhere using our Mobile Banking App’s FREE Remote Deposit Capture feature

Open

*No minimum balance required, but a $0.01 minimum is required to keep the account open. All deposits are federally insured up to $250,000 by the NCUA, a U.S. government agency.

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