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Junior Term Share Certificates

IT's NEVER TOO EARLY TO START SAVING

Help your child start building his savings nest egg with a Spero Junior Term Share Certificate.

Open an Account

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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

Get Started

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:

*For 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.