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Youth Certificate

Little ones can save big, too

Kids can save and learn when they put money they don't plan to use for a while in a Youth Certificate.


Earn dividends

Earn more and watch the savings grow.


Dividends compound quarterly

Quarterly compounding lets kids see their earnings increase frequently.


Flexible terms

Choose from 12- and 24-month term options.


Add-on deposits

Your child can add money to their certificate during the term to earn more.


Payment options

Kids can reinvest or transfer dividends to another account.


Low minimum balance

Open with just a $250 minimum deposit.1

Today's rates

View more rates

24 months

As high as % APY2

Calculate your monthly savings3

Final Balance

Contributions:     |    Earnings: 
Add-on Deposits

Keep adding, keep earning

With a Youth Certificate, funds can be added at any time during the term to earn more dividends on the increased balance.

happy kids outdoors
Low Minimum Opening Deposit

We make it easy

Certificates are a great way for kids to learn about saving, and they can get started with just a $250 minimum opening balance.


Members regularly rave about our competitive rates, convenient locations and friendly staff.

— 2023 Relationship Survey

How it works

It's easy to get a Youth Certificate.

  • 1

    Open an account

    It only takes a few minutes to open a certificate at a branch or through video banking.

  • 2

    Make an initial deposit

    Start a Youth Certificate with a $250 minimum initial deposit.

  • 3

    Earn interest

    Sit back and watch your savings grow!

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 1-800-296-8871

Saving and learning


Kids can earn higher dividends from their dollars with a Youth Certificate.
And financial education? It’s priceless.


Schedule an appointment


1 $250 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2 APY is the Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. The stated APY is effective as of July 12, 2024. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a Youth Certificate. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership required and subject to account requirements.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking