Sprout Saver
A Share Certificate tailored specifically for our young savers aged 17 and under. Plant the seeds of financial responsibility early, so your young saver can reap the rewards for years to come.
12-Month Term
Offers a 12-month term with the same competitive rate as our regular 12-month certificates. It's a smart way to watch your savings grow steadily over time.
Flexible Deposits
Make deposits anytime! The minimum amount is $25, but you can make as many deposits as you want. Whether it's a weekly allowance or earnings from a part-time job, each contribution helps their savings grow!
Low Minimum Balance to Open
With just a $25 minimum balance to open, a Sprout Saver makes it accessible for young savers to plant the seeds and start to save.
Rates
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Let's see what your earnings could be.
Final Balance
Contributions: | Earnings:Earn more with a Sprout Saver Certificate
Share Certificates earn more dividends than a regular saving account. You can put your money to work to grow your savings. Even better, dividends compound monthly, so you can earn dividends on your dividends!
Start with as little as $25 to get started
With just a small minimum balance to open, plus the option to make additional deposits - a Sprout Saver Certificate makes it easy for young savers to start earning more from the get-go.
Receive your dividends in a way that works for you
Your dividends are your earnings, so you should be able to do with them what you want! At SFCU, we offer flexible options, so you can do whatever works best for you.
Reinvest
Put your earnings right back into your Spout Saver Share Certificate, so you can earn dividends on your dividends and watch your savings grow!
Transfer
Swap your dividends to another account so you can use it, stash it, or do anything else you want.
Whenever help is needed they are always ready to help and resolve.
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1
Open an account
Start your Sprout Saver Share Certificate online or in branch.
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2
Make initial deposit
Deposit some money to get started.
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3
Earn dividends
Sit back and watch your savings grow.
Have a question? Get in touch with us
Sprout Share Certificate
| Type of Certificate | Term | Minimum Balance to Open | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| Sprout Saver | 12 Month | $25 | 3.35% | 3.40% |
Rates effective as of: October 13, 2026
APR= Annual Percentage Rate.
APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method.
Allows deposits with a minimum of $25 for each deposit. There is no cap on deposits. Upon the minor turning 18 contributions will no longer be allowed and it will renew as a standard 12-month certificate.
Share Certificate terms of 12 months or more are subject to a 180-day penalty of dividends. Fees may reduce earnings.
Withdrawals, or change of terms can only be done without penalty on or within 5 business days after the maturity date.
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 Sprout Saver Share Certificate
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Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy. Just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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