Kids CU
Did you get some money for your Birthday?
Did you the person next door give you $20 for mowing their lawn?
Did you get your first job?
Do you want that new game console?
Looking at that new iPhone or Galaxy?
How about your first car?
Learn how money works, set savings goals, and become a Money Hero.
What Is Money?
Money is a tool. It helps us buy things we need and want without having to trade items.
Imagine if you wanted a toy and had to trade three sandwiches and a bike for it. That would be hard! Money makes trading simple
Money is Used for Buying Things
You can use money to buy:
- Food
- Clothes
- Toys
- Games
- Books
- and when you are older Cars and houses
What is Saving?
What if I want something and don't have enough money?
Sometimes you don't spend your money right away.
If a bicycle costs $100 and you only have $20, you can save your money until you have enough. This is called Saving.
Think of saving like: A squirrel storing nuts for winter.
What else can I do with Money?
Money can be used to help others.
- Giving to a charity
- Helping an animal shelter
- Buying a gift for someone
EARN - SAVE - GROW
WHAT CAN I DO WITH MY MONEY?
EARN
Money starts with earning.
You earn money by helping others, working, or selling something people want.
Kids can earn money by:
- Doing extra chores
- Helping neighbors
- Running a lemonade stand
- Walking dogs
- Selling crafts
Kid Tip: Every dollar starts with effort.
SAVE
Saving means keeping some of your money for later.
Instead of spending all your money today, you set some aside for future goals.
Examples:
- New bicycle
- Video game
- Special toy
- School trip
Kid Tip: Small savings can become big rewards.
GROW
Growing money means making your money work for you.
When you put money in a savings account at a credit union, they pay you a little extra money called interest.
Example:
- You save $100.
- The credit union pays you a little interest.
- After a while, you have more than $100.
It's like planting a seed:
The longer you leave it, the more it can grow.
Kid Tip: Money likes time. The longer it stays saved, the bigger it can become.
Earn It
"I worked for it."
Save It
"I keep some for later."
Grow It
"My money earns more money."
Where and how can I save money?
At Home
If you have a small amount of money you can start at home.
- Piggy bank
- Coin jar
- Treasure box
- Savings envelope
At SEAFCU
If you have a larger amount of money, you can open a Savings account.
- Your Parent or Guardian will need to help you open a Savings account.
With a savings account your money will make a little bit more money every few months.
Douglas Branch
1600 N. Panamerican Avenue • PO Drawer 1059 • Douglas, Arizona 85608
(520) 364-8401 • Fax (520) 364-2967
Hours of Operation:
Monday - Thursday: 9:00AM - 4:30 PM
Friday: 9:00AM - 6:00 PM
Benson Branch
182 E. 4th Street • PO Box 2317 • Benson, Arizona 85602:
(520) 586-7095 • Fax (520) 586-7097
Hours of Operation:
Monday - Friday: 9:00 AM - 4:30 PM
*Closed all Federal Holidays
Copyright © 2026 Southeastern Arizona Federal Credit Union