Christian Financial believes that teaching our youth the fundamentals of money management is essential to long term financial wellness. Our youth programs are beneficial to kids, students and young adults and provide helpful tools and resources no matter where they are in their financial journey.

Our Youth programs give you access to:
  • Online and Mobile Banking  
  • Youth Term Share Certificates
  • Resources like BizKid$

Open a Youth Account

If you are ready to open an account for yourself, or your child, visit us in branch at one of our many locations. To open a youth account please be sure to bring  the minor's birth certificate and social security card.

Certificates of Deposit

Term Dividend Rate APY* Minimum Balance
6 Month 1.99% 2.00% $1,000
12 Month Super Saver Certificate** 3.93% 4.00% $500
12 Month Save To Win Certificate*** 1.49% 1.50% $25
12 Month Youth Certificate 4.89% 5.00% $250
12 Month 4.89% 5.00% $1,000
18 Month 4.89% 5.00% $1,000
24 Month 5.13% 5.25% $1,000
36 Month 3.69% 3.75% $1,000
48 Month 3.45% 3.50% $1,000
60 Month 3.45% 3.50% $1,000

*APY = Annual Percentage Yield. APY is not variable and will not change after the certificate is opened. **Additional Super Saver deposits not to exceed $50,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number. *** Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. See full disclosures for specific Save To Win CD details. CD Early Withdrawal Penalties:
   -   CDs with a maturity of 12 months or less: the penalty will be equal to 90 days interest (whether earned or not);
   -   CDs with a maturity of 18, 24, 36, or 48 months: the penalty will be 180 days interest (whether earned or not);
   -   CDs with a maturity of 60 months or more: the penalty will be one year of interest (whether earned or not);
   -   Twelve Month Save To Win CDs: the penalty will be equal to $25.
Note: If the interest penalty exceeds the interest earned, the difference shall be deducted from the principal amount.
The dividend rate is subject to change without notice.
See our Fee Schedule for other fees that may be assessed with your savings account.
**Early withdrawal penalties may apply. Please see our Disclosures for complete disclosure information. Interest is computed daily and is paid monthly or at maturity. Additional deposits during term are limited to $50,000.00.
Contact Us:

Corporate Headquarters:
35100 Van Dyke Ave
Sterling Heights, MI 48312


Routing & Transit Number: 272484289
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Christian Financial Credit Union was founded in 1950 and has grown to serve anyone who lives, works,
worships or goes to school in Macomb, Wayne, Oakland and St. Clair Counties. 
© 2006-2023 Christian Financial Credit Union  All Rights Reserved.
Federally insured by the NCUA
Equal Housing Opportunity Lender