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Seedlings: Ages 0-5

Give your seedling a strong start to saving

A savings account from SFCU is a great place to start fostering healthy financial habits for children ages 0-5

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Automatic Deposits

Set up automatic deposits from another account to regularly add money to your child's savings account.


Withdraw Anytime

With a savings account there's no lock-in term, so you have the flexibility to use and move the money as you see fit.


Federally Insured by NCUA

All savings accounts are federally insured to at least $250,000 by the NCUA to give you peace of mind.


Online and Mobile Banking

Monitor your seedling's savings account with online banking. As a joint owner, you will see their account on your online/mobile banking dashboard.


New Account Bonus

New members 0-17 years of age receive a $10 bonus when opening a new account.


Sprout Saver

A 12-month Share Certificate tailored specifically for our young savers. Plant the seeds of financial responsibility early and reap the rewards for years to come.

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Automatic Deposits

The easiest way to save!

With automatic deposits, you can "set it and forget it!" Set up the automatic deposits, and a specified amount will be pulled from another account regularly to help you grow your child's savings account without even thinking about it.

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Withdraw Anytime

Maintain financial flexibility

The funds you add to your child's savings aren't locked in. You're free to use or move the money as you see fit to ensure complete financial flexibility.

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As soon as I walked in, I was cheerfully greeted with a smile. I had to wait to speak to an associate for maybe two minutes, associate was pleasant and walked my through opening an account.

— Michelle S

How it works

It's easy to open a savings account for your seedling.

  • 1

    Open an account

    It takes only a few minutes to open an account for your child.

  • 2

    Make initial deposit

    Deposit the money you want to start the savings account with.

  • 3

    Make regular deposits

    Add money to give your child a place to start learning about finances.

Open a Youth Account


Have a question? Get in touch with us

Start your child off on the right financial foot

Everyone has to start somewhere. With a savings account from SFCU, you can start building your child's savings, so they have a place to start learning about healthy financial habits in the future.