Uniform Transfer to Minors Account


Build a nest egg for your child or grandchild

It’s never too early to save for your child’s future. Give him or her a financial head start with a Uniform Transfers to Minors Act (UTMA) account. You hold the account until your child reaches age 18 or 21, allowing you to build their nest egg as they grow. Sound smart? Open an UTMA account by visiting a SEFCU branch near you, or call our Member Solutions Center at 800-727-3328.



25 cent coin

25¢ a day* = $1600+
by their 18th birthday

* Beginning on the day they're born

Features & Benefits

Give them a head start in saving

  • You build and hold the account
  • Transfer to the child when he/she turns 18 or 21 (your choice)
  • Earns a dividend, so there’ll even be a little extra in there
computer with piggy bank on screen



Fee-free savings account

Minimum Opening Deposit Dividend Rate Annual Percentage Yield** Minimum Balance to Obtain APY
$0.01 0.10% 0.10% $0.01


See which account is best for you


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


Youth Savings

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

Learn More

Apply Now

Open a SEFCU UTMA today

Current SEFCU member?

Open Today

Not a member?









Visit a branch near you

Call 800-727-3328

Financial Education


Uniform Transfer to Minors Act (UTMA)

Transfer to your child when he/she turns 18 or 21

Open with just $1

Competitive rates

No fees


More on UTMA

More to think about...

** Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today – February 6, 2023.  Fees may reduce earnings.