Youth Accounts

are you an
EDUCATOR?
VLFCU provides in-class financial literacy presentations on a variety of topics for students K-12. Dollar Dog is also available for special appearances!
Call 419-625-9025, ext. 1342.

CONTACT INFORMATION

SANDUSKY
2911 Hayes Ave.
Sandusky, OH 44870
T: 419.625.9025
T: 800.691.9299
SANDUSKY
2409 E. Perkins Ave. Sandusky, OH 44870
T: 419.625.9025
T: 800.691.9299
HURON
2402 University Dr.
Huron, OH 44839
T: 419.433.3229
T: 800.691.9299

VERMILION
1607 State Rd., Ste. 11
Vermilion, OH 44089
T: 440.967.5155
T: 800.691.9299
NORWALK
295 Milan Ave., Ste. C Norwalk, OH 44857
T: 419.668.6346
T: 800.691.9299

building

CU*TALK: 419.621.8328 or 877.256.3336
WEBSITE: www.vlfcu.org
FACEBOOK: www.facebook.com/VacationLandFCU TWITTER: www.twitter.com/VacationLandFCU YOUTUBE: www.youtube.com/VacationLandFCU

toward the future

Federally Insured by NCUA.

Kid$ense Share Certificate Account
Parents and grandparents can help children save for the future with our Kid$ense Share Certificate Accounts! These accounts offer a low minimum deposit, 12 month terms, and a growing dividend rate based upon the child’s age at
renewal. VLFCU members can open a youth share certificate for immediate family members* no matter where they live. We make it easy for you to help, even from a distance!
Program Details & Benefits
Children up to the age of 12 years old
$100.00 minimum deposit
12 month term, with auto renewal of new rate
Rates based on child’s age, refer to table below

Age 0
1
2
3
4
5
6

APY** 0.25%
0.35%
0.45%
0.55%
0.65%
0.75%
0.85%

Age 7
8
9
10
11
12

APY** 0.95%
1.05%
1.16%
1.26%
1.36%
1.46%

* Immediate family= sibling, child, grandchild including step or adoptive relationships. **APY = Annual Percentage Yield. Membership eligibility is required with a minimum deposit of
$25.00. No additional deposit is required if the child has an existing VLFCU Share Account. Kid$ense Share Certificate Accounts are limited to ages 12 years and younger. Maximum
$20,000.00 per child, regardless of the number of share certificates held by the child. Accounts will mature annually from the date of account opening, found on your Account Receipt or Renewal Notice. There is a ten day grace period after maturity in which to deposit additional funds or to withdraw funds in the account. Subject to penalties for early withdrawal. All depository accounts are insured up to $750,000. The first $250,000 of insurance is provided by NCUA’s National Credit Union Share Insurance Fund. An additional $500,000 is made available
through private insurance from Excess Share Insurance Company. Programs, rates, terms, and conditions are subject to change or cancellation without notice.

Dollar Dog® Kids Club
At VLFCU, we want to help parents teach their children the importance of saving their money. We know this can be challenging, but we have Dollar Dog on our side! Dollar Dog makes financial education fun and rewards our youngest
members for making deposits into their Dollar Dog Share Accounts. Children up to 12 years old can start participating with just an initial share deposit of $25.00.
Program Details & Benefits
A Dollar Dog token is earned for every deposit of
$10.00 or more (limit one token per day).
Tokens can be exchanged at VLFCU to buy toys and apparel or to earn a cash dividend.
Special .15% APY*. A minimum balance of $125.00 is required to earn dividends.
Children receive a special dividend when they make a birthday deposit.**
Dollar Dog Kids Club website is linked to www.vlfcu.org for interactive fun.
Additional events throughout the year.

*APY=Annual Percentage Yield. ** Limit one per year, birthday dividend of 5% on the member’s deposit up to $5.00. Birthday deposit may be made on any day during the member’s birth month up to the age of 12 years. Membership eligibility is required with a minimum deposit of $25.00. No additional deposit is required if the child has an existing VLFCU Share Account.
Inventory of Dollar Dog rewards items is subject to availability at each VLFCU branch. All depository accounts are insured up to
$750,000. The first $250,000 of insurance is provided by NCUA’s National Credit Union Share Insurance Fund. An additional
$500,000 is made available through private insurance from Excess Share Insurance Company. Programs, rates, terms and conditions are subject to change or cancellation without notice. Dollar Dog is a registered trademark.

Teen$ense Share Certificate Account
Much like our Kid$ense Share Certificates, these accounts provide a financial tool for our youth. Whether you are saving for college or a first car, this is the right tool! The APY* increases with the teen’s age up until 19 years old, making it a great way to start them off in the right direction. It’s never too late to save!
Program Details & Benefits
Teens age 13 to 19 years old
$500.00 minimum deposit
12 month term, with auto renewal of new rate Rates based on teen’s age, refer to table below

Age	APY*	Age	APY*	
13	1.56%	17	1.96%	
14	1.66%	18	2.07%	
15	1.76%	19	2.17%	
16	1.86%			

*APY = Annual Percentage Yield. Membership eligibility is required with a minimum deposit of $25.00. No additional deposit is required if the teen has an existing VLFCU
Share Account. Teen$ense Share Certificate accounts are limited to ages 13 years to 19 years. Maximum $20,000.00 per child, regardless of the number of share certificates held by the child. Accounts will mature annually from
the date of account opening, found on your Account Receipt or Renewal Notice. There is a ten day grace period after maturity in which to deposit additional funds or to withdraw funds in the account. Subject to penalties for early withdrawal. All depository accounts are insured up to $750,000. The first $250,000 of insurance is provided by NCUA’s National Credit Union Share Insurance Fund.
An additional $500,000 is made available through private insurance from Excess Share Insurance Company. Programs, rates, terms, and conditions are subject to change or cancellation without notice.