Financial Horizons Credit Union

Youth Certificates

Smart Certificates are specifically designed for and only available to our youth members ages 5 - 18 years old. We created them to help our children learn how to set & reach financial goals while also learning the power of compound interest and earning dividends. We offer six different terms to fit short & long term goals. Here are the finer points:

  • Minimum opening deposit of $25.00
  • Unlimited deposits thereafter with a minimum deposit amount of $10.00
  • Higher dividend rates
  • Dividends compounded daily and credited monthly
  • Monthly updates mailed to youth showing what they have earned & how close they are to reaching their goal.

Youth members will also receive a tracking sheet designed to be hung on their wall to help remind them of their goals and how close they are to reaching them.

Current Terms & Rates for Smart Certificates:

 3 & 6 Month  APR  APY
$25.00 - $500.00 4.883%  5.00%
$501.00 - $5000.00 3.923%   4.00%
$5001.00 & Above 1.91%   2.00%
12, 24, 36 & 48 Month  APR  APY
$25.00 - $1000.00  4.879%  5.00%
$1001.00 - $5000.00  3.922%  4.00%
$5000.00 & Above  1.980%  2.00%

 

If you would like more information on our Smart Certificates please contact one of our offices. 

 

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