Watch Their Savings Grow — Year After Year


At Zia Credit Union, we believe in helping young members build bright financial futures. Our 12-Month Youth Share Certificate gives them a powerful way to start saving early — with a rate that makes their money grow faster and habits that can last a lifetime.

Account Highlights

  • Term: 12 months

  • Minimum to Open: $300

  • Rate: 4.88% Dividend Rate (5.00% APY*)

  • Maximum Opening Amount: $20,000

  • Eligibility: Members age 18 or younger

  • Limit: One Youth Share Certificate per qualifying member


Why It’s a Great Start
Your young saver’s certificate automatically renews each year at the current youth rate until age 30, helping their savings continue to grow — even if their balance eventually exceeds $20,000.

When they reach age 30, their Youth Share Certificate balance will automatically transfer into a Zia Share Savings account, continuing to earn dividends and stay part of their financial journey.

If changes are made ( like adding or withdrawing funds) the certificate will close. A new Youth Share Certificate may be opened if the member still qualifies (age 18 or younger, with an opening balance of $20,000 or less).

Additional Details

  • Auto-renews annually until age 30.

  • Once opened, continues earning the youth rate even if the balance exceeds $20,000.

  • Does not qualify for ZAP Member Rewards.

*Annual Percentage Yield (APY) accurate as of 11/1/2025. Minimum deposit of $300 required to open. Maximum opening balance $20,000. Available to members age 18 or younger. Only one Youth Share Certificate per qualifying member at a time. Automatically renews each year at the current Youth Share Certificate rate until the account holder reaches age 30, at which point funds will transfer to a Share Savings account. The Dividend Rate(s) and Annual Percentage Yield(s) may change at any time as determined by our Board of Directors. Offer subject to change at any time without prior notice. Early withdrawal penalties may apply. Fees may reduce the earnings on dividend-earning accounts. Membership eligibility required. For current rates, please call (505) 662-4671.