Type	Rate	APY
	0.250%	0.25%
	0.250%	0.25%
	0.250%	0.25%

Click here to view disclosures

*	NCUA - Your savings are federally insured to $100,000 by the National Credit Union Administration, a U.S. Government Agency. APY = Annual Percentage Yield Dividends are compounded monthly. All Rates Subject to Change. Rates Effective November 15th, 2008.

Youth Accounts

It's never too soon to start teaching children about good money management. That's why SMCU offers Youth Accounts designed to help develop wise financial habits. Besides imparting valuable lessons about saving and earning interest, these accounts are the first steps toward ensuring the comfort and security of your child's future.

SMART SAVERS Tailored to children under 12, this program features Ollie the Owl, the wise and playful mascot. Ollie encourages youngsters to save their allowances, birthday money, and cash from odd jobs — then watch it grow. And when their savings total $500, they can open an "Ollie Certificate" to earn higher dividends.

Achievers Account Designed for teens 13 through 18, the Achievers Account offers access to a wealth of products and services. From Online Access to educational materials, all components are tailored with a focus on attaining financial knowledge. This is an important part of maturing, and San Mateo Credit Union can serve as a personal resource to help impart critical information.

Links to youth sites