Save2Learn & Save2Earn

Save2Learn and Save2Earn header image

Getting a job. Credit cards. Students loans. Interest rates. The adult world of finances can be overwhelming. Let us help you navigate it with the right tools for a strong financial start.

Save2Learn - (Ages 13-17) - Bank Accounts for Teens1

Get all the perks of having your own account. Whether you just got your first job, are planning for college or entering a trade; you’re going to need the right bank account for teens to get you started.

  • Save2Learn from SECNY imageFREE Birthday Gift to help you keep saving
  • Get a $10 gift card for opening a teen checking account2
  • uChoose Rewards®- Earn 1 point per $2 spent with your SECNY Debit Card!
  • $25 when you sign up for Direct Deposit for your paycheck3

Open an Account Online

Save2Earn - (Ages 18-26) - Young Adult Bank Account1

Your first steps on the path to adulthood and beyond. College student, starting your career, or buying a home? No matter where you are going in life, you'll need the right tools. You have places to go and people to see. We want to help you check everything off your life's to-do list!

  • Save2EarnGet the first $5 into your new savings account1
  • Get a $10 gift card for opening a new checking account2
  • uChoose Rewards®- Earn 1 point per $2 spent with your SECNY Debit Card and 1 point per $1 spent with your SECNY Credit Card!
  • $25 when you sign up for Direct Deposit for your paycheck3
  • Loan Rate Discount-receive 0.25% loan rate discount4
  • FREE Birthday Gift to help you keep saving

Credit Kickstart Three Images of People Header image

Open an Account Online

Let’s make history

You have the power to control your credit history. Start smart and make your history a great one with Credit Kickstart

  1. First, fill out our online loan application for the amount you wish to start with.
  2. If approved, the funds are then deposited into your account and put on hold.
  3. Each month, make your monthly payment on time.
  4. After you make your payment, the funds are then released into your account for you to use.

Payment history is one of the most weighted of all factors contributing to your credit score. This program is a great way to help you set off on the right path to a positive financial future! Sometimes even more so than a credit card or personal loan. Credit Kickstart is also a great way to build your credit, making it affordable when it comes time to lease or buy a car. Make your history something to be proud of…with Credit Kickstart!

Get Started

Plus all our Save2Learn Teen Bank Accounts and Save2Earn College Student and Beyond Bank Accounts benefit from:

Free CardValet® App: Control the cards in your wallet with the phone in your pocket.

Apple Pay, Google Pay & Samsung Pay: Pair your debit or credit card for easy touchless checkout.

Free Credit Sense Access: Monitor your credit score for free right from your online banking or our mobile app.

Free Personal Financial Management Tool: Now you have one place where you can view your complete financial picture from savings to spending right from online banking.

Take Advantage of Our Teen and College Student and Beyond Bank Account Benefits Today!

Open an Account Online

Anticipated Dividend for the 4th Quarter 2023:

Share & Certificate Rates - Effective 12/1/23   Rates subject to change without notice.

01 / Regular Share (min. $100) 0.15% 0.15%
03 / Business Share (min. $100) 0.15% 0.15%
10 / Club (Holiday) 0.15% 0.15%
11 / Club (Vacation) 0.15% 0.15%
20 / Club (Save2Own) 2.96% 3.00%
73 / Enterprise Checking (Business Checking) No Dividend Paid No Dividend Paid
75 / Draft Checking No Dividend Paid No Dividend Paid
79 / Cash Management (> $75,000.00) 1.24% 1.25%
79 / Cash Management ($50,000 - $74,999.99) 1.00% 1.00%
79 / Cash Management ($25,000 - $49,999.99) 0.75% 0.75%
79 / Cash Management ($10,000 - $24,999.99) 0.50% 0.50%
79 / Cash Management (min. $2,000 - $9,999.99) 0.40% 0.40%
81/91/97 IRA Activity Account (>$10,000) 0.30% 0.30%
81/91/97 IRA Activity Account ($100 - $9,999) 0.15% 0.15%
91 / Roth Activity Account Same rates and terms as IRA activity account above
95 / Coverdell ESA (min $500) Same rates and terms as IRA activity account above
97 / Coverdell ESA Activity Account Same rates and terms as IRA activity account above

Retirement Calculator

APR - Annual Percentage Rate, APY - Annual Percentage Yield

Fully Share & Certificate Secured:

APR as low as Term
Share or Certificate Dividend Yield +2% . Variable rate adjusts when APY changes on the account pledged. 144 Months Maximum

Loan Application Loan Calculator

Dividend rates are declared by the Board of Directors quarterly. Please note that the minimum balances must remain in accounts for the entire period to qualify for a dividend. All accounts are federally insured by the National Credit Union Administration (NCUA). All rates subject to change without notice. APR - Annual Percentage Rate APY - Annual Percentage Yield

1 You may opt out of the Save2Learn or Save2Earn clubs at any time by contacting SECNY. Limit one $5 initial deposit incentive per member.

2 Limit one gift card. All new accounts subject to Chex-Systems verification. Certain conditions apply, subject to change without notice. Offer does not apply to existing SECNY checking accounts. Contact us for details. 

3 $25 cash incentive offer available for members who sign up for a new net pay direct deposit relationship and who opt to have his/her payroll direct deposited into his/her SECNY share or share draft account. All new accounts subject to ChexSystems verification. To receive cash incentive, member must notify SECNY after first payroll is direct deposited into the account. $25 cash incentive will remain on hold for 30 days from the date it was deposited. After 30 day hold period, funds will only be released if the account is in good standing. Bonuses are considered interest and will be reported to the IRS. Certain restrictions apply. Subject to change without notice. Member must have had no prior Direct Deposit relationship with SECNY.

4 Minimum loan amount $5,000. Excludes Mortgages, Overdraft Lines of Credit and Credit Cards. Limit one discount per member per loan. Credit and other certain restrictions may apply. Existing loans with SECNY cannot be refinanced with this offer. Contact us for further details.

uChoose Rewards is a registered trademarks of Fiserv, Inc. or its affiliates. All rights reserved.

CardValet® is a registered trademark of Fiserv, Inc. or its affiliates. All rights reserved. Data charges may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries.

2023 SECNY FCU Mailing Address: 4727 West Seneca Tnpk PO Box 15040, Syracuse, NY 13215