Built to Help Young Savers Get Ahead

*APY = Annual Percentage Yield. Promotional 5.00% APY applies to balances up to $5,000 on the Youth Builder CD. Funds over $5,000 and dividends earned after the account reaches $5,000 will be deposited into the member’s regular savings account. Minimum opening deposit is $25. Additional deposits may be made during the 12-month term. Offer available to members age 25 and under at the time of account opening. Limit one Youth Builder CD per primary member/SSN. The promotional rate is fixed for the term of the certificate and will remain in effect until maturity, even if the member turns age 26 during the term. At maturity, members may choose to renew the certificate, transfer funds to another account, or withdraw the funds, subject to credit union policies and procedures at the time of maturity. Members age 25 and under at the time of renewal may request renewal into a new Youth Builder CD at the rate in effect at the time of renewal. Members age 26 or older may request renewal into a standard certificate product at the rate in effect at that time. Early withdrawal penalties may apply and may reduce earnings. The penalty for early withdrawal is 90 days’ worth of dividends. Fees or other conditions may reduce earnings. Rates and terms are subject to change without notice prior to account opening. No jumbo or IRA rate is available for this certificate. TruEnergy Federal Credit Union is federally insured by the National Credit Union Administration.