Smart Sense Share Certificate

Overview

Open a Share Certificate for just $50

Show your child how saving pays! With a SEFCU Smart Sense Share Certificate* , he/she will earn a higher dividend with a longer term (up to 36 months).

 

 Smart Sense Saving

Teach your kids to
grow their dough

Features & Benefits

Start them out with smart banking habits

  • Open with just $50
  • Add more money to it throughout the term
  • 18-, 24-, and 36-month terms
  • Add-ons available during the life of the Certificate
  • Great gifting option
  • Savings Certificate is in their name
  • Available for members under 18
 graph with money

 

Rates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
18 months 3.19% 3.25%
24 months 3.19% 3.25%
36 months 3.44% 3.50%

Compare

See which account is best for you

Smart Sense Savings Certificate

  • Open with $50; can add to it over the term
  • 18-, 24-, and 36-month terms
  • Add-ons available during the life of the certificate
  • Account is in child’s name

 

Coverdell Education Share Certificate

  • Open with $500
  • Six to 60-month term
  • 24-month add-on available
  • Custodial account
  • Dividends are tax-free when used for qualified educational expenses

Learn More

Apply Now

Open a SEFCU Smart Sense Share Certificate today

Current SEFCU member?

Open Today

Not a member?

Join SEFCU

 

 

 

 

 

 

Visit a branch near you

Call 800-727-3328

 

Smart Sense Share Certificate

Especially for kids and teens

Open with just $50; can add to it over the term

Guaranteed rate for 18-36 months

 

 

Get Smart Sense

More to think about...

UTMA

Give Them a Head Start on Saving

Account that transfers to child at age 18 or 21

No fees

* Note: Minimum to open and obtain APY for a Smart Sense Share Certificate is $50. Fees may reduce earnings. For Savings Certificates, penalties may apply for early withdrawal.

** Annual Percentage Yield. APY is accurate as of today – February 2, 2023. Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal.