Youth CD Savings Account in Norwich, NY
Start your child’s savings journey with SFCU’s Youth CD from our Norwich branch! It’s a safe and secure way for young savers to grow their money while learning financial responsibility. Give them a head start on financial success with competitive rates and peace of mind. Teach smart saving today with Sidney Federal Credit Union!
Help Your Child Save Smart with a Youth CD in Norwich
Youth CDs from SFCU help children save smart by offering higher interest rates than standard savings accounts, which can encourage disciplined saving. They teach long-term financial habits, like planning for future goals, while our flexible options make it simple and rewarding.
Why Choose SFCU’s Youth CD in Norwich?
Teach financial independence
Help your child learn money management early with a Youth CD that grows their savings while building smart habits for a strong financial future.
Earn more, stress less
Enjoy competitive rates that let your child’s savings grow steadily, without the risks or hidden fees, so you can focus on their bright future.
Invest in their tomorrow
With SFCU planting a tree for every new account, your child’s financial growth also supports a greener, more sustainable world and keeps your money in the local community.
Higher interest rates
Youth CD rates are better compared to standard savings accounts, allowing your child’s savings to grow faster over time.
Who Can Open a Youth Certificate of Deposit in Norwich?
- A Youth Certificate of Deposit can be opened by individuals who meet the age requirements set by Sidney Federal Credit Union.
- A parent or legal guardian may need to co-sign the account for minors, depending on specific terms and conditions.
- Membership with Sidney Federal Credit Union is required to open any account, including a Youth CD.
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1
Open an account
Start your Youth CD online or in the Norwich branch.
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2
Make initial deposit
Deposit some money to get started.
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3
Earn dividends
Watch your child’s savings grow.
Branch Location for Youth CD Norwich Account
Sidney Federal Credit Union – Norwich Branch
- Address: 5900 County Road 32, Norwich, New York 13815
- Lobby Hours: Monday-Friday, 9:00 AM – 4:30 PM, Saturday 9:00 AM – 12:00 PM
- Drive-Thru Hours: Monday-Friday, 9:00 AM – 5:00 PM, Saturday 9:00 AM – 12:00 PM
- Phone: 877-642-7328
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The typical APY for a Youth CD in Norwich may vary depending on current rates and terms. We recommend you contact us directly or visit our website to get the most accurate and up-to-date information on rates.
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The minimum deposit required for a Youth CD is $25. Check and discuss your account details with SFCU and we will answer any questions you have on the deposit requirements for this type of account.
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Yes, SFCU offers the ability to open accounts online. Visit our website, navigate to the Youth Share Certificate section, and follow the steps outlined for opening a new account.
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To check the balance and interest earned on your Youth CD at Norwich, log into your online banking account or use our mobile banking app. You can also contact SFCU directly for assistance or visit your local branch.
Have a question? Get in touch with us
Save for what you want the simple way
Experience the freedom to save for nearly any goal you can imagine. Save without worrying about paying fees or maintaining a minimum balance.
Savings Account Rates
| Type of Account | Minimum Balance to Open | Average Daily Balance Required to Obtain Annual Percentage Yield (APY) | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Savings |
$5 |
$118 |
0.05% |
0.05% |
|
Escrow - (SFCU Mortgages) |
N/A |
$118 |
0.05% |
0.05% |
|
Club |
N/A |
$118 |
0.05% |
0.05% |
|
Money Management |
$2,500 |
$2,500 |
0.07% |
0.07% |
|
Money Management |
$5,000 |
0.10% |
0.10% |
|
|
Money Management |
$10,000 |
0.15% |
0.15% |
Rates effective as of: August 24, 2025
Membership eligibility required.
APR= Annual Percentage Rate. Dividends are calculated by the average daily balance (ADB) method.
APY = Annual Percentage Yield.
Fees may reduce earnings on account.
All rates are subject to change at any time. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
Open a Savings Account
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Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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