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Smart Sense Savings Certificates

Introduce your children to money management as they watch their savings grow! Have them open a SEFCU Smart Sense Savings Certificate.

It's Never Too Early to Teach a Child about Banking

Introduce your child to smart banking habits as they watch their savings grow! SEFCU’s Smart Sense Savings Certificate teaches the child in your life about saving and managing money. Plus, it's a great gifting option for birthdays, holidays, and special occasions.

The minimum deposit to open a Smart Sense Savings Certificate account is $100. Each kit contains a mini-passbook for recording deposits and a set of registry announcement cards that families can distribute to grandparents, aunts and uncles, friends, and anyone else looking for a thoughtful gift idea!

Open a Smart Sense Savings Certificate Today

  • Visit a branch near you
  • Call the Member Solutions Center at 518-452-8183 or 800-727-3328
Note: Minimum to open and obtain APY for all Share Certificates, except for Smart Sense and Lucky Savers Share Certificates is $500. Minimum to open and obtain APY for a Smart Sense Share Certificate is $100; Minimum to open and obtain APY for a Lucky Savers Share Certificate is $25. Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal.