Youth Savings

Savings Account

Basic youth savings with simplicity and peace of mind.

$5 minimum deposit.
Earn dividends with a minimum balance of only $5.
A joint owner, age 18 or older, is required.
Debit Card Application.

Share Certificates

Earn higher dividends and build savings that grow with your child.

$1,000 minimum deposit.
Renew automatically at maturity.
View Dividend Rates.

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Coverdell Education Savings Accounts (ESAs)

Enjoy the tax benefits of saving for your child’s future education expenses with a Coverdell ESA.

$5 minimum deposit, balances over $500 eligible for high-yield ESA certificates.
Coverdell ESAs information.
View Dividend Rates.

Parental Controls

Manage your child’s account with tools that give you oversight and peace of mind.

Linked Accounts
Transfer funds via phone or online banking.
Spending Controls
Youth Debit Cards have lower limits for safe spending.
Alerts & Monitoring
Set up transaction alerts or block transactions using card controls.
Financial Education
Access trusted resources from our partners at GreenPath Financial Wellness.

Rewards Card¹	Annual Percentage Rate (as low as)
With Rewards	8.90%
No Rewards	7.90%

Balance transfer	Annual Percentage Rate (as low as)
With Rewards	5.90%
No Rewards	4.90%

Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
36	6.99%	$30.87
60	7.49%	$20.03
72	8.49%	$17.77

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	7.50%
$20,001 – $50,000	Member	7.25%
$50,001 +	Member	7.00%
$10,000 – $20,000	CU	7.75%
$20,001 – $50,000	CU	7.50%
$50,001 +	CU	7.25%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	4.75%	$18.76
	120	5.25%	$10.73
	180	5.75%	$8.30
CU Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.86
	180	6.00%	$8.44

Online and mobile banking will be down Thursday Jan 23rd from 9 am to 2 pm.

Start a child’s financial journey with Salt City Federal Credit Union. Our Youth Savings Accounts are designed to make saving easy, secure and educational—helping young members build strong money habits for the future.

Contact Us

Savings Account

Share Certificates

4.70% APY

Coverdell Education Savings Accounts (ESAs)

4.70% APY

Parental Controls

Tools & Resources

Headquarters Mailing Address

Contact Us

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.99% APR would have 60 monthly payments of $625.96 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.49% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	60	6.24%	$19.44
	84	6.74%	$14.97
	144	7.24%	$10.41
	180	7.74%	$9.70
Used 2015 – 2023	60	6.74%	$19.68
	84	7.24%	$15.21
	144	7.74%	$10.68
	180	8.24%	$9.70

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	48	5.49%	$23.25
	60	5.64%	$19.17
	72	5.84%	$16.50
	84	6.34%	$14.77
Used 2015 – 2023 ¹	48	5.99%	$23.48
	60	6.14%	$19.40
	72	6.34%	$16.73
	84	6.84%	$15.01

Tier	Min Balance	Dividend Rate	APY 1
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%