Members 17 or younger who open a Kids and Teens Club Share Certificate (CD) can pick a gift box for a chance to earn a bonus amount added to the current rate!*

*Open a new 12- or 24-Month Kid’s & Teens Club Youth Share Certificate between October 1 and December 31, 2025, and get a chance to boost your savings with a bonus rate. At the time of account opening, the account holder may select one pumpkin from the lobby pumpkin patch to reveal a bonus rate between 0.25% and 3.00% APY. This bonus rate will be added to the standard certificate rate offered on the day of opening. Minimum opening deposit is $100; maximum deposit is $20,000. Limit one pumpkin selection per member, per certificate. Bonus selection must occur at the time of account opening. Offer valid only for Kid’s & Teens Club 12- or 24-Month Share Certificates opened during the promotional period. Smart Saver Youth Share Certificates are not eligible. APY = Annual Percentage Yield. Firelands Federal Credit Union reserves the right to change or discontinue this offer at any time without notice.

*To earn the deposit match bonus of up to $10, a new Youth Savings or Youth Checking Account must be opened between October 1 – January 31, 2026, with an initial deposit of at least $5. The deposit match will equal the amount of your initial deposit, up to a maximum of $10. The bonus will be deposited into your new account on the day of account opening, provided all eligibility requirements are met. Limit one deposit match per member per youth account opened. Account must remain open and in good standing at the time the bonus is credited. Offer valid for new youth accounts only.