OverviewOpen a Share Certificate for just $100Show 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).
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![]() Teach your kids to
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Features & BenefitsStart them out with smart banking habits
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Rates
Fixed Rates
Term | Dividend Rate | Annual Percentage Yield** |
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18 months | 0.45% | 0.45% |
24 months | 0.60% | 0.60% |
36 months | 0.60% | 0.60% |
Compare
See which account is best for you
Smart Sense Savings Certificate
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Coverdell Education Share Certificate
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Apply Now
Open a SEFCU Smart Sense Share Certificate today
Current SEFCU member? Open Today |
Not a member? Join SEFCU |
Smart Sense Share Certificate
Especially for kids and teens
Open with just $100; can add to it over the term
Guaranteed rate for 18-36 months
More to think about...
School Banking Program
Hands-on Banking for Kids
Teaches students smart savings tips
Deposit receipts can be emailed to parents
UTMA
Give Them a Head Start on Saving
Account that transfers to child at age 18 or 21
No fees
Enroll in Tuition Rewards
Boost College Savings
Earn "points" on deposits in many SEFCU accounts
1 point = $1 to use toward private college tuition