Penny Program

The Penny Program is a youth program designed to encourage kids to save money, as well as teach them how to be responsible, personally and financially. The program was created to inspire kids to plan for their future and teach them that they can do anything, anywhere in the world. The world is full of endless opportunities.

Have questions, contact us here.

  • Ages 1-4 years old
  • Receive Welcome Gift at account opening
  • Receive Birthday Card
  • Automatically enrolled into Fox Friends on 5th birthday
  • 1.00% APY

Penny's Pals
  • Ages 9-12 years old
  • Receive Birthday Card
  • Receive Quarterly Newsletter
  • Receive $5 Fox Funds at account opening and wallet
  • For every $15 deposited, earn $1 Fox Funds
  • Redeem Fox Funds at the Fox Den Store
  • Automatically enrolled into Penny’s Pack on 13th birthday
  • 1.00% APY
Fox Friends Logo
  • Ages 5-8 years old
  • Receive Birthday Card
  • Receive Quarterly Newsletter
  • Receive $5 Fox Funds at account opening and wallet
  • For every $10 deposited, earn $1 Fox Funds
  • Redeem Fox Funds at the Fox Den Store
  • Automatically enrolled into Penny’s Pals on 9th birthday
  • 1.00% APY
  • Ages 13-17 years old
  • Receive Birthday Card
  • Receive $10 gift card at account opening and stamp book
  • $20-99 deposited, earn 2 stamps
  • $100-200 deposited, earn 4 stamps
  • $201+ deposited, earn 5 stamps
  • Redeem 30 stamps for a $10 gift card
  • June-August: Deposit graduation money and earn double stamps
  • 1.00% APY

Stay Alert for Scams! We often see an increase in scam attempts during the holiday season, and we want to help you stay safe. Important Tips: CFFCU will never call and ask for personal information like your SSN, card number, or online banking details. If someone does, hang up immediately. Never share your SSN, card number, or online banking info over the phone. If you’re unsure, call the company back using their official phone number. One-Time Passcodes should never be shared with anyone. If our Fraud Monitoring Service contacts you, be honest about unauthorized charges—this helps block transactions you didn’t approve. Your security matters to us. Stay alert and enjoy a safe, happy holiday season!