Help your child fill their piggy bank
Access exclusive perks and introduce youngsters to the benefits of credit union membership early.
Benefits You'll Love
- Exclusive accounts for members up to age 12
- Help kids earn competitive dividends to build savings
- No minimum balance requirement and no monthly service charge
- Fun perks to make savings exciting
Details
- Available to savers 12 and younger
- Competitive dividends on entire balance — with an exclusive rate of 0.20% APY*
- No monthly service charge
- No minimum balance requirements
- Kids will enjoy special perks that make saving fun, including:
- Invitations to cool, exclusive events
- An official membership card
- And more!
- Free online banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Shared branching available
- $5 minimum deposit to open
Federally Insured by NCUA
National Credit Union Youth Month (April): 2023 SAVINGS
Youth members made nearly 1,900 deposits during National Youth Savings Month totaling more than $469,000—PLUS, over 30 new youth accounts were opened. Service 1 FCU youth members unleashed the power of saving!
Youth who made minimum qualifying savings deposits April 1 thru 30 were automatically entered in weekly random prize drawings—plus a cool grand prize! New youth accountholders—and their parent/grandparents—were also entered in random drawings for $100! There were 12 winners in all!
Remember, kids can unleash the power of saving for future success all year long with a Service 1 FCU youth account, share certificate and more!
Birthday Surprise from Astro
Birthdays are more fun with Astro the Alien! During your birthday month, look in your mailbox for a postcard wishing you a happy day—and inviting you to stop into your nearest branch for a gift just for you. We can't wait to celebrate your special day with you!
Online Games
Give your finances a kick with financial soccer and football, let Peter Pig help you count your change, and more. What are you waiting for? Start your fun below!
Boring grown-up stuff: The money management games above in no way indicate the opinion or financial recommendation of Service 1 Federal Credit Union. They are the sole property of Practical Money Skills for Life.
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*APY = Annual Percentage Yield. Bonus dividend rate paid quarterly.
1Account must be opened with a parent's signature for consent for accountholders under the age of 18.
2APY = Annual Percentage Yield. Bonus dividend rate paid quarterly.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $0 | 3.20% | 3.25% |
| $10,000+ | $0 | 0.05% | 3.25% to 0.34% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply use your Kasasa Cash account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $0 | 0.50% | 0.50% |
| $25,000+ | $0 | 0.05% | 0.50% to 0.14% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Simply use your Kasasa Cash or Cash Back account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases that post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Loans
| Loan Type | Rates Starting at:* |
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 5.99% APR1 |
| Home Equity Line of Credit (variable) | 8.50% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Loans - 1
| Loan Type | Rates Starting at:* |
|---|---|
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 4.99% APR1 |
| Home Equity Line of Credit (variable) | 4.75% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Money Management Account
| Balance | APY |
| $100,000+ | 1.50% |
| $50,000.00 - $99,999.99 | 1.25% |
| $20,000.00 - $49,999.99 | 1.00% |
| $2,000.00 - $19,999.99 | 0.75% |
Money Management Account 1
| Balance | APY |
|---|---|
| $100,000+ | 1.15% |
| $50,000.00 - $99,999.99 | 1.00% |
| $20,000.00 - $49,999.99 | 0.90% |
| $2,000.00 - $19,999.99 | 0.75% |
Share Certificates
| Term | Minimum Balance | APY |
|---|---|---|
| 60 months | $500 | 3.00% |
| 48 months | $500 | 2.90% |
| 36 months | $500 | 2.80% |
| 30 months | $500 | 2.75% |
| 24 months | $500 | 2.75% |
| 18 months | $500 | 2.75% |
| 12 months - FEATURED RATE | $500 | 5.25% |
| 6 months | $500 | 3.00% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Share Certificates - 1
| Term | Minimum Balance | APY |
|---|---|---|
| 60 months | $500 | 3.00% |
| 48 months | $500 | 2.90% |
| 36 months | $500 | 2.80% |
| 30 months | $500 | 2.75% |
| 24 months | $500 | 2.75% |
| 18 months | $500 | 2.75% |
| 12 months - FEATURED RATE | $500 | 5.25% |
| 6 months | $500 | 2.50% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Youth Certificates
| Term | Minimum Balance | APY** |
| 6 months | $100 | 2.50% |
| 12 months | $100 | 5.25% |
| 24 months | $500 | 2.75% |
Youth Certificates 1
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months | $100 | 2.50% |
| 12 months | $100 | 5.25% |
| 24 months | $500 | 2.75% |
