Smart Sense Savings

Overview

A fee-free account for kids

A SEFCU Smart Sense Savings account makes it easy to teach your child to learn how to manage money.

Saving 25¢/day =

$91.25 (+dividends) in a year

Features & Benefits

Help your kids save

SEFCU deposits the first $1
No fees
Earns a dividend with $25 minimum balance
Checking account/debit card available for responsible members 14+
Free online banking

Rates

Fee-free savings account

Minimum Opening Deposit (SEFCU makes the first deposit)	Dividend Rate	Annual Percentage Yield*	Average Daily Balance to Obtain APY
$1.00	0.05%	0.05%	$25.00

Compare

See which account is best for you

Youth Savings

SEFCU deposits the first $1
$1 minimum balance required
No fees
Account is in child’s name

UTMA

Open with just $1
$1 minimum balance required
No fees
Account is in adult’s name; transfers to child at 18 or 21

Learn More

Apply Now

Open a SEFCU Smart Sense Savings Account today

Current SEFCU member?

Open Today

Not a member?

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Visit a branch near you

Smart Sense Share Certificate

Especially for kids

SEFCU deposits the first $1

Checking available for 14+

No fees

View Smart Sense

More to think about...

Enroll in Tuition Rewards

Boost College Savings

Earn "points" on deposits in many SEFCU accounts

1 point = $1 to use toward private college tuition

Enroll in Tuition Rewards

School Banking Program

Hands-on Banking for Kids

Teaches students smart savings tips

Deposit receipts can be emailed to parents

View School Banking

Smart Sense Savings Certificate

Help Them Save Faster

Dividends start at 2.27% APY

No fees

View Smart Sense

* Annual Percentage Yield. Rate and APY are variable and subject to change after the account is opened. APY is accurate as of today – April 19, 2021. Fees may reduce earnings.