Skip nav to main content.

Next-Gen Share Certificates

Give your teen a head start on their financial future and teach them about different savings methods with a Next-Gen Share Certificate from SCCU.

Does your teen have a checking and savings account that earns little to no dividends? Next-Gen Share Certificates are youth certificate of deposit accounts designed to teach teens about different savings methods and let them earn higher rates of return compared to traditional savings accounts.

small, three, group, men

$25 opening deposit

Opening a Share Certificate with your teen is more affordable than ever with only $25 minimum deposits.


One-year certificates

Your teen won't have to wait as long to have access to their funds with one-year certificate terms.

Money conversation

Deposit often

Make as many deposits as you like until you reach the $2,500 maximum.

Low initial deposit

Open a Next-Gen Share Certificate with as little as $25

Your teen doesn't need an already-established bank account to learn about different savings methods. They can open a youth certificate of deposit with as little as $25, making it affordable to teach your teen healthy savings habits.


As high as APY*

View all rates

A credit union with a focus on you

Why choose us?

When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.

How to get started

It's easy to teach your teen healthy financial habits. Open a Next-Gen Share Certificate in three simple steps:

  • 1

    Apply with your teen

    Help your teen fill out the online application.

  • 2

    Make initial deposit

    Open the youth certificate of deposit with as little as $25

  • 3

    Make regular deposits

    Continue to make deposits over the life of the certificate (1 year).

Help your teen create a successful financial future

Teach your teen about healthy money habits while growing their savings with a Next-Gen Share Certificate from SCCU.

You might also be interested in

Teen Checking
Share Certificate
Student Loan

*APY = Annual Percentage Yield. Rates Effective as of last dividend declaration date.

Watch for scams! Reminder, if something looks sketchy from SCCU, reach out and ask us if its legit!