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Youth Products

We are committed to teaching youth good saving habits and have designed our youth products for the benefit of members age 21 and under.    


Young Savers Account
Members age 21 and under will earn very competitive dividends from the first $1 deposited!

  • Requires $5 on deposit in a regular savings account
  • NO minimum balance

Youth Certificate

Our Youth CD is for members age 21 and under

  • $500 minimum investment
  • $700 maximum investment
  • Accrued dividends are transferred into regular shares monthly 

SMFCU's Annual Scholarship Program


Student Loans

We offer competitive Smart Option Student Loans through Sallie Mae.  Click here for more information                                                              


Other products and services that enhance our young members credit union experience!

These products may require joint ownership with a parent or guardian that has established credit. Saginaw Medical Federal Credit Union does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents. We do offer a "Youth" section on our web site that children can access external links to other sites that are age-appropriate. Should a child choose to submit information or questions to us, we would only use that information to respond directly to that child, seek parental consent or provide parental notice. No information would be stored.


Sites for College Age & Under

Visit these sites for tips on being smart with your money. You'll find information about:

  • Earning and borrowing
  • Saving and budgeting
  • Spending and using checks

You'll also find out more about credit unions!

 ...for elementary

Early Bird Savings Club Newsletter

 ...for middle school iCount Newsletter
 ...for high school It's Your Life.. Are You Ready? Newsletter 
 ...for college and beyond