Does your teen have a checking and savings account that earns little to no dividends? Next-Gen Share Certificates are youth certificate of deposit accounts designed to teach teens about different savings methods and let them earn higher rates of return compared to traditional savings accounts.
$25 opening deposit
Opening a Share Certificate with your teen is more affordable than ever with only $25 minimum deposits.
One-year certificates
Your teen won't have to wait as long to have access to their funds with one-year certificate terms.
Deposit often
Make as many deposits as you like until you reach the $2,500 maximum.
Open a Next-Gen Share Certificate with as little as $25
Your teen doesn't need an already-established bank account to learn about different savings methods. They can open a youth certificate of deposit with as little as $25, making it affordable to teach your teen healthy savings habits.
A credit union with a focus on you
Why choose us?
When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.
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1
Apply with your teen
Help your teen fill out the online application.
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2
Make initial deposit
Open the youth certificate of deposit with as little as $25
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3
Make regular deposits
Continue to make deposits over the life of the certificate (1 year).
Help your teen create a successful financial future
Teach your teen about healthy money habits while growing their savings with a Next-Gen Share Certificate from SCCU.
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Rates
| Term | Minimum Balance | Maximum Balance | APY* |
|---|---|---|---|
|
1 Year |
$25 |
$2,500 |
1.00% |
Rates effective as of: January 18, 2025
*APY = Annual Percentage Yield Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. The above rates are subject to change at any time without notice.
| Minimum Balance | $2,500.00 - $9,999.99 | $10,000.00 - $24,999.99 | $25,000.00 - $49,999.99 | $50,000.00 - $99,999.99 | Over $100,000 |
|---|---|---|---|---|---|
|
Term |
A.P.Y* |
A.P.Y* |
A.P.Y* |
A.P.Y* |
A.P.Y* |
|
3 months |
0.10% |
0.10% |
0.15% |
0.20% |
0.25% |
|
6 months |
0.25% |
0.30% |
0.35% |
0.40% |
0.45% |
|
1 year |
0.55% |
0.60% |
0.65% |
0.70% |
0.80% |
|
18 months |
0.60% |
0.65% |
0.70% |
0.75% |
0.80% |
|
2 year |
0.70% |
0.75% |
0.80% |
0.85% |
0.90% |
|
30 months |
0.70% |
0.75% |
0.80% |
0.85% |
0.90% |
|
3 year |
0.75% |
0.80% |
0.85% |
0.90% |
0.95% |
|
4 year |
0.85% |
0.90% |
0.95% |
1.00% |
1.05% |
|
5 year |
1.20% |
1.25% |
1.30% |
1.35% |
1.40% |
|
7 year |
1.49% |
1.49% |
1.49% |
1.49% |
1.49% |
*APY = Annual Percentage Yield Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. The above rates are subject to change at any time without notice.
FAQs
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Features
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Rates effective as of: January 18, 2025
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