With a minimum initial deposit of $5, kids can become members of "Kids ‘R Members Too" Club. They will get a free Bulldog Baby Bucks piggy bank, and BFCU will contribute $5 to each new club account. The child should have a Social Security Number to open the account. Eligible kids age 4-12 can join the "Junior Connection" Club with a minimum initial deposit of $10. The programme encourages kids to save by offering them a quarterly incentive gift with a minimum deposit of $15 into their Club account. Kids' accounts earn dividends at the Regular Share Savings Account rate. The Youth Savers Certificate, available for members from birth through age 18, requires a minimum initial deposit of $300. Deposits of $50 or more can be made to this certificate at any time. Dividends accrue daily and are posted quarterly.