Return to the Kid $Stuff home page. Learn about accounts Lets Money Talk! What's going on? Some cool money and banking links.


Take a break and check out some of our favorite games. Go...


Money—What was it Like Long Ago?

We know what paper money and coins are like today, but what was money like many years ago? And when did the use of money start? Go...



Spring started on March 20th. We know that spring is a season marked by warmer temperatures and the growth and renewal of plants and flowers. So what is Spring Training? Go...


Coloring Pages

Drawings you can color: Go...


What Is an Account?

As a young member, you will usually start with a share account. Keeping your money in a share account is the way to make it grow -- you earn dividends on your money. If you left your money in a drawer, you would earn nothing.

When you are in High School or College, then the Student Care Package account is just the thing for you. Click here for more information on the Student Care Package.

Basic Accounts at the Credit Union

  • Share Account: It pays you earnings called dividends for keeping your money on deposit. rather than interest.
  • Share Draft Account: It permits withdrawals by writing drafts against the account; sometimes called a checking account.
  • Dividends: Extra money you earn by keeping money on deposit within an account.
  • Share Certificate: A time deposit, with a fixed term, and, usually, a fixed interest rate.
  • Loan: When the credit union gives a member a certain amount of money expecting you to pay it all back. There is a set time and monthly payment the borrower must pay back. The terms of a loan are often spelled out in the form of a loan contract which is signed by both the borrower and lender.

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