Youth CD Savings Account in Liverpool, NY
Start your child’s savings journey with SFCU’s Youth CD from our Liverpool branch. Saving for the future doesn’t have to be complicated. Youth CDs are 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.
Help Your Child Save Smart with a Youth CD in Liverpool
Youth CDs help children save smart by offering higher interest rates than standard savings accounts and encouraging 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 Liverpool?
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.
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.
Higher interest rates
Youth CD rates are better compared to standard savings accounts, allowing your child’s savings to grow faster over time.
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.
Who Can Open a Youth Certificate of Deposit in Liverpool?
- 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 the 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 Liverpool 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 Liverpool Account
Sidney Federal Credit Union – Liverpool Branch
- Address: 7545 Morgan Rd, Liverpool, New York 13090
- Lobby Hours: Monday-Friday, 9:00 AM – 4:30 PM
- Drive-Thru Hours: Monday-Friday, 8:30 AM – 5:00 PM
- Phone: 877-642-7328
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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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The CD term options in Liverpool vary, allowing you to choose durations that suit your financial goals. Typically, terms range from a few months to several years, offering flexibility and competitive interest rates based on the timeframe you select.
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Youth CD rates often provide higher interest rates than traditional savings accounts, encouraging young savers to grow their money faster. Additionally, these accounts teach financial responsibility while offering a secure option for long-term savings and future goals.
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To check the balance on your Youth CD, log into your online banking account or use our mobile banking app. You can also contact SFCU directly for assistance or visit your local Liverpool 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 23, 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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