Youth Accounts
Smart Saver Account
An account designed to help our youth newborn to 12 years learn about the value of saving.
Harbor Pointe Credit Union promotes fun ways to teach saving with special, fun promotions for our Smart Saver members.
Give your child a gift that will last them a lifetime, a new savings account at Harbor Pointe Credit Union.
A $5.00 minimum deposit and the child’s social security number is all it takes to start a Smart Saver Account. Youth accounts can be opened at any of our 3 offices.
All we need is child’s social security number and a parent, grandparent or guardian joint on the account.
$5.00 minimum balance required to earn dividend. Any balance over $2,000 will earn the current Primary Savings rate posted, visit our Savings Rates page for current rate.
Smart Saver Account Benefits
- 3.00% interest rate paid on balances up to $2,000 (current Primary Savings rate paid on any balance above $2,000)
- The special dividend rate* exclusive to our Smart Saver members teaches about earning money on savings at the credit union
- A free piggy bank at account opening
- Free coin counting when piggy bank is full
- Free passbook (A passbook is a fun way for child to track how much money is in their savings account)
- Each time child deposits money into savings account they earn a star in passbook. When five stars are collected, child gets to pick out a fun prize from the prize basket!