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We recognize the unique financial needs of young adults (age 18-29), as they progress through the different milestones of life, including financing a car or home, building credit, and planning a wedding.

  • A $10 Amazon e-Gift card at account opening
  • A FREE Kindle Fire for qualifying college students*
  • Save up to $27.50 through ATM benefits
    • 15 Free Belco ATM withdrawals per month (savings of $15)
    • Refunding of up to five ATM surcharges (up to $2.50 each) you may incur at other institutions each month (refund up to $12.50)
  • First time car buyer discount (0.25% off current rates) PLUS a $75 gas card at loan closing
  • 0.25% discount on new personal, vehicle and home equity loans (does not include myLOC)
  • Offering of Loan Saver Direct Payment Savings Plan
  • Unique savings account that encourages savings by paying the highest interest on the lowest balances

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Requirements to open a SmartStart package:

  • Age 18-29
  • Have a Basic Checking Account
  • Enroll in e-Statements

Regulation D limits apply

Account features may be changed or discontinued at any time without notice. Limit of one SmartStart package per SSN.
*To qualify for a free Kindle Fire, member must be currently enrolled in at least three college classes in a degree-granting program from an accredited school or college and have a minimum GPA of 3.50. Other restrictions may apply. Call or visit any branch for details.
Kindle Fire is a registered trademark of Amazon.com, Inc. Amazon.com, Inc. is not a participant in this promotion.