Youth Clubs PARDA Federal Credit Union's youth account programs are the perfect way for young Members to begin establishing proper money management skills.   Learn how to manage your future with online articles, blogs and videos about money management written by young adults for their peers. MoneyMix™ is loaded with financial tools and advice adults ages 18 to 30 need. Topics cover decisions and challenges such as renting or buying a house, purchasing a new or used vehicle, living on a food budget, and paying for a wedding.     Learn how to save money and have fun doing it. The "Kirby Kangaroo " Club is a fun and educational youth savings program for children ages 12 and under. Kirby Kangaroo accounts pay dividends, and come with a passbook, so it's easy to see that the more deposits you make, the faster your money grows!   "CU Succeed " is designed to help teens ages 13-18 gain valuable understanding of financial management through practical, hands-on experience. On the CU Succeed website, you'll even find information on choosing a college to attend, getting help paying for your education, finding a great job, planning for your career, and links to other great sites just for you.   Coverdell Education Savings Accounts Looking for a way to save for your child's education? The Coverdell Education Savings Account is a tax-deferred account that lets you contribute and make withdrawals to pay for education expenses from primary school through graduate school. The program allows you to contribute up to $2,000 a year toward your child's education. Coverdell Education Savings Accounts are available as both IRA Share Certificates and IRA Share Accounts. Certificates can be opened with a minimum of $500 and IRAs are separately insured up to $250,000 by the NCUA.

	Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
	NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a ''noninterest-bearing transaction account'' are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term ''noninterest-bearing transaction account'' includes a traditional share draft account on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, PARDA Premier Account, Primary Shares, Share Certificates and Sub-Accounts, even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, www.ncua.gov