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The Junior Varsity Club (ages 0-12) and Varsity Club (ages 13-17) programs are designed to help our young Members establish good savings habits at an early age.

• No Membership fee if parent or guardian is a Member of SchoolsFirst FCU and live within the same household
• $5 opening deposit
• ATM card available with parent/guardian authorization (deposits only for ages 0-12)
• Share Secured loans available up to $500 with parent/guardian co-borrower
• 12-Month College Saver Share Certificate

• ATM withdrawals; daily limit of $40 for ages 13 to 15, and $100 for ages 16 and 17
• Free Checking account offered at age 16; $25 minimum opening deposit
• Point-of-sale purchases up to $100 per day
  for ages 16-17, with established Free Checking account only
• Personal loans available with credit-qualified parent/guardian co-borrower; loan amounts of $50 to $500; minimum payment of $10 per month

Min. Opening Balance	Dividend Rate	APY
$5	0.20%	0.20%