Your Community Credit Union knows that financial tools developed
early can help for a lifetime. Central Virginia Federal Credit Union Youth Clubs are designed to help our younger members become financially literate, financially responsible adults!

Of course, learning has to be fun! We'll mail you interesting newsletters
that are just for you and host contests and games throughout the year!
There is no membership fee for Youth Clubs. Join your club today!

Dollarmatian Club - 10 years and younger
Gap Club - 11-14 year olds
Collegiate Club - 15-17 year olds

No matter what your age, saving money is a good thing! To help you make the most of your money, here are the top secrets to help you save:

1. Every time you get money, save some. Saving regularly is the number one secret to building wealth. Make saving a lifetime habit!

2. Know why you're saving. In the olden days, before the Internet and MTV, people saved for a rainy day. It's more fun to save for a sunny day for all the things you want. Make a list of the things you want - these are your reasons for saving!

3. Save your money in a safe place. Your pocket isn't the safest place. Carry only the amount of money you'll need for the day to control your spending. Put the rest in your credit union savings account.

4. Make your money work for you. The money in your savings account at the credit union helps you make more money. Your deposits will earn interest!

5. Spend wisely. Another top secret to saving is knowing how to spend. Choose what you buy carefully. Shop around to get the best price. Buy quality items that will last a long time.