Announcing the Birthday Builder Certificate!
Birthdays come with cake, candles, and often a few crisp bills tucked into a card. But what if those birthday dollars could grow into something even bigger—like lifelong savings habits?
That’s exactly why we’re excited to introduce the Birthday Builder Certificate at Your Legacy Federal Credit Union.
Designed for kids ages 0–12, the Birthday Builder Certificate helps families turn birthday gifts into meaningful savings—year after year.
What Is the Birthday Builder Certificate?
The Birthday Builder Certificate is a 12‑month youth savings certificate created especially for children. It’s simple, easy to open, and built around something kids already love: their birthday.
Here’s how it works:
- Start with just $25
- Earn a $25 birthday match every year
- Earn 4.00% APY
- Dividends stay in the certificate to keep savings growing (compounding monthly)
- If you transition into a checking account at age 13 — you earn a final $25 coupon
From first birthdays to double digits, this account grows right alongside your child.
Perfect for Parents and Grandparents
The Birthday Builder Certificate isn’t just for parents—grandparents can open one too.
Whether you’re a parent wanting to start strong or a grandparent looking for a meaningful gift that lasts longer than toys or clothes, this is a thoughtful way to invest in a child’s future.
Instead of birthday money being spent right away, it can:
- Grow safely over time
- Teach kids the value of saving
- Build a relationship with a trusted financial institution early in life
Why Families Love It
You will love the Birthday Builder Certificate because it’s:
- Simple – No complicated rules or high minimums
- Rewarding – A $25 annual match just for saving
- Purposeful – Built around birthdays, not pressure
- Future‑focused – Smoothly transitions to a checking account at age 13
It creates a small tradition that adds up over time—and makes savings something kids can feel excited about.
A Natural Next Step at Age 13
When your child turns 13, we encourage you to convert the Birthday Builder Certificate into a share draft/checking account, and to celebrate that milestone, we include a final $25 checking coupon to help them get started with confidence.
It’s a simple, age‑appropriate step toward financial independence—guided by Your Legacy every step of the way for lifelong saving.
Start a New Birthday Tradition Today
Whether you’re a parent, grandparent, or caregiver, the Birthday Builder Certificate is an easy way to give a gift that grows with your child.
Stop by our branch, give us a call and talk with one of our team members to learn more and open an account.
Because some birthday gifts keep giving long after the candles are blown out.
Disclosures:
The Birthday Builder Certificate is a 12‑month share certificate offered by Your Legacy Federal Credit Union for eligible youth ages 0–12, and can be created in addition to a Kid’s Club account.
The Annual Percentage Yield (APY) is 4.00% and is accurate as of the effective date shown. The minimum opening deposit is $25.00. A minimum balance of $25.00 must be maintained to earn the stated APY. Fees or early withdrawal penalties may reduce earnings.
Dividends earned on the certificate are reinvested into the certificate and are not disbursed at maturity. Early withdrawal penalties apply. Please contact Your Legacy Federal Credit Union for details regarding early withdrawal penalties and certificate terms.
An annual birthday match of $25.00 is provided during the annual grace period following certificate renewal, provided the required deposit conditions are met. The bonus is not guaranteed if requirements are not satisfied. Bonus amounts may be reported as taxable income.
At age 13, we encourage you to convert the Birthday Builder Certificate to a checking account. Upon conversion, an eligible youth may receive a $25.00 checking account coupon, subject to program terms and conditions in effect at the time of conversion.
Membership eligibility required. Additional terms and conditions may apply. Product features, rates, and incentives are subject to change.
