Junior Term Share Certificates


Help your child start building his savings nest egg with a Spero Junior Term Share Certificate. To jump-start their savings, take advantage of our limited-time certificate special of 1.25% APY1. Plus, soar higher by bumping up the rate once during the 24-month term.

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Here's how it works:

A Junior Term Share Certificate is designed for children under the age of 18. Benefit from earning even more than a traditional savings account with as little as $250 to get started. It's a great way to start building a strong savings portfolio.

Account Features

  • $250 minimum opening deposit
  • 6 to 48-month term options
  • Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms

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Additional Benefits

Account Access

It’s your money. You should have access to it whenever you’d like!

Free Online Banking

Free Online Banking

Access your account from wherever you are, at anytime.

Learn More about free online banking

Free Mobile Banking

Free Mobile Banking

Manage your account on-the-go - anytime, anywhere.

Learn More about free mobile banking

Last, but not least:

1The Annual Percentage Yield of 1.25% is valid on 24-Month Bump-Up Certificates beginning on 06/1/2022. Promotion is subject to change, cancellation, or renewal without notice. A minimum opening deposit of $250 is required. Early withdrawal fees could reduce earnings and principal on the account. You may elect to change the rate on the Bump-Up Certificate once during the original term of the certificate. To request a rate change, an owner of the certificate must contact the Credit Union by calling us at 800-922-0446 or by visiting a branch. The rate on the Bump-Up Certificate will be changed on the date the Credit Union receives the request to the current rate published by the Credit Union for 24-month certificates, excluding promotional rates, and will remain in effect until the original maturity date. At maturity, unless you instruct us otherwise, the Bump-Up Certificate will automatically renew as a 24-month certificate (with no “bump up” feature). The availability of the rate increase option neither implies nor guarantees that our rates will increase during the term of the 24-Month Bump-Up Certificate.

2For every Certificate, members will receive a notice of renewal one month prior to its maturity.

Interested in other savings account options?

Check out all our available saving accounts offerings.