Saving Makes You SMILE! (No, Really!)

Developing strong saving habits right now, at any age, can make a huge difference in your life. Dreaming of a new game, bike, or pet? There’s something special about earning it yourself! It works like this: saving in a credit union earns you interest. Then, with compound interest, you earn interest on your interest! Over time, your money grows on its own—no magic required. The earlier you start, the more your money grows!

How to Start Saving (and SMILE):

Start Small, Dream Big

Every little bit helps! If you get an allowance, birthday money, or find a quarter, don’t spend it all at once! Here are some ideas to get you started:

  • 1-5 years old: Every coin counts! Drop them in a piggy bank and enjoy the clinks.
  • 6-12 years old: Set a goal—save $5 a week in a jar or open an Altana savings account. (With your parent’s permission and support!)
  • 13-18 years old: Save for bigger dreams, like a phone, car, or college. Try budgeting, too—it’s a game-changer!

Money Smart = Mega Smiles

When you know how to manage your money, you can:

  • Make smart choices: You’ll know when something is a good deal… and when it’s not.
  • Avoid money stress: No more worries about not having enough money for your needs or wants!
  • Reach your goals faster: Saving brings you closer to your dreams, whether a new gadget, a trip with friends, or going to college.

Imagine the Possibilities

From buying a toy or movie tickets to saving for college or a house, saving opens doors to your dreams!

Learn and Grow

Learning about money isn’t just about saving. It’s about:

  • Budgeting: Planning where your money goes.
  • Spending wisely: Buying what truly matters.
  • Giving back: Helping others in need.

Enjoy Your Success!

Reaching a saving goal feels AMAZING. You’ll feel proud of yourself for working hard and being responsible. That feeling is worth more than anything you could buy!

Altana Federal Credit Union: Your Savings Sidekick

Parents, are your kids ready to start? We’re here to help! With resources, savings accounts, and friendly faces, Altana makes saving fun and easy.

Youth ages 11 & under: altanafcu.org/student/cubby

Youth ages 12-18: altanafcu.org/student/fyi-checking