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MONEYSMART
SAVINGS

For Ages 11-17
September Challenge: Save $300, Win $300!1
Deposit a minimum of $300 into your DFCU Moneysmart Savings Account by the end of September, and you'll be entered for ​a chance to win $300! You can make smaller deposits throughout the month to reach the $300 goal. ​Are you up for the challenge?
Invest in their future
Get started with as little as
$5.00
Interest-Earning
Earns 0.15% APY+ on balances of $5.00 or more.
Avoid Fees
Enjoy no monthly ​maintenance fees, so ​you can focus on ​what matters most.
Future Impact
Enjoy no monthly ​maintenance fees, so ​you can focus on ​what matters most.2
Member Perks
Learn More About Our Free High School Debit Cards
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Frequently Asked Questions

How do I open this account? Visit our Branch: 8237 3rd Street, Downey CA 90241. You will need your Child’s ID, Birth Certificate and Social Security Card.
Is there a minimum balance required to open and maintain the account? $5.00. These funds are what maintain your account as "active".
Are there any restrictions on deposits or withdrawals? Yes, subject to Regulation D. That translates to 6 withdrawals per month, including overdraft, without a signature.

Disclosures

1
No purchase or obligation is necessary to enter or win. $300 Sweepstakes (“Sweeps”) is open only to U.S. residents. Entry into the Sweeps ​is automatic when you deposit a total of $300 or more into your DFCU Cub Account or Money Smart Account (“Qualifying Accounts”) ​between 9/1/2024 and 9/30/2024 (“Promo Period”). To be eligible, the account must be in good standing. Only deposits made during the ​Promo Period, qualify toward the $300 minimum. Participants with the Qualifying Accounts can make multiple deposits to reach the ​$300 minimum deposit requirement. Qualifying Accounts must total to the minimum $300 in deposits to be eligible, if withdrawals ​during the Promo Period cause the account to not have a minimum of $300 deposited, the account will be not eligible. One entry per ​account. Non-Member Entries: To enter without having the Qualifying Accounts, purchase or obligation A) by mail, hand-print your name, ​address, city, state/province/territory, ZIP or postal code, email address, and daytime telephone number (including area code) on a 3” x 5” ​card, and mail, with sufficient postage affixed, to: DFCU Sweeps, 8237 3rd Street, Downey, CA, 90241 or B) in person, deliver the 3” x 5” card ​to 8237 3rd Street, Downey, CA, 90241, any time during DFCU business hours, during the Promo Period. Only one entry per participant will ​be permitted. One winner will be randomly selected to receive a $300 cash prize to be paid out no later than 10/15/2024. Cub Account and ​Money Smart account holders will receive the prize through a deposit directly into their account. Odds of winning depend on the total ​number of eligible entries received. Additional terms and conditions may apply. The credit union reserves the right to modify or terminate ​the promotion at any time without notice. DFCU employees, Board members and volunteers are not eligible to win.
2
According to a Junior Achievement and Charles Schwab survey. Please consult with a financial advisor ​regarding your specific situation. The statements provided are general guidelines.
3
Earns dividends with a $5 balance or more. Dividends compounded daily and paid monthly. Minors ages 13-17 can open a ​checking account with a parent or guardian as joint owner.