SMART Program
Expand the savings potential of your young savers with a SMART account from your Neighbors! Our SMART program – Student Money Awareness and Readiness Track – is designed to teach savings and money management skills to the youngest of savers up thru age 22, taking them from their youth and teen years through young adulthood. Best of all, SMART members will watch their savings grow fast, with an exclusive 10.00% APY* on the first $1,000 on deposit in a SMART savings account!
In addition to this amazing SMART savings rate, we have an entire program designed to give your young saver a great foundation at every stage of growing up:
Ages 0-12 | Starting Out & Making Saving Fun
- Games, comics, and helpful hints about all things saving
Age 13 | Getting ready for high school?
- Open a SMART checking account and learn how to use a debit card
- Download the Neighbors mobile banking app to stay in-touch with your money
Age 16 | Ready for a set of wheels?
- Add our Member Experience Center (314-892-5400) to your contacts for easy reference.
- Download the Neighbors Mobile App to stay in touch with your transaction activity and account balances
Age 18 | Senior Year? Scholarship time!
- Members who are graduating high school seniors, keep an eye out for our annual graduating scholarship program for graduating high school seniors. As a SMART member, you certainly know the value of a dollar and how this money can make a difference!
- Now is also the time to begin thinking about building credit. SMART accountholders age 18 and older are eligible to open an unsecured Visa credit card.** It’s a great way to begin creating good credit use and payment habits.
*APY = Annual Percentage Yield. 10.0%APY applies to the first $1,000.00 of balance in the SMART savings account; .05% APY earned on any balance greater than $1,000.00. APYs effective January 1, 2026, and subject to change without notice. SMART accounts available exclusively for members ages up thru 22; limit one SMART savings account per individual member (unique SSN/TIN). Minimum $1 deposit required to open account. **Available to SMART accountholders only. Credit limit based on gross monthly income; minimum $250 for members with no credit history. Call 314-892-5400 for complete details.