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Youth Share Certificate

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.

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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.


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As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Earn Dividends

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!

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Low Minimum Balance

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.

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Flexible Options

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.

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Put your earnings right back into your Spout Saver Share Certificate, so you can earn dividends on your dividends and watch your savings grow!

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Swap your dividends to another account so you can use it, stash it, or do anything else you want.

Frequently Asked Questions

  • Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.

    Here is all you need to do:

    1. Provide Routing Number, which is 221379905
    2. Provide your Account Number. DO NOT include the suffix. Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456. Also, do not include any leading zeros.
    3. If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.

    It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.


  • Once minor reaches age of 18, the certificate will be restricted from accepting deposits. Once minor reaches age of 18, on the next maturity date, the certificate will renew to the 12-month fixed rate certificate and follow all guidelines relative to that product.

Whenever help is needed they are always ready to help and resolve.

— Carl D

How it works

It is as simple as 1-2-3 to get started

  • 1

    Open an account

    Start your Sprout Saver Share Certificate online or in branch.

  • 2

    Make initial deposit

    Deposit some money to get started.

  • 3

    Earn dividends

    Sit back and watch your savings grow.

Open a Sprout Saver Share Certificate


Have a question? Get in touch with us