It's never too early to learn good savings habits and with Penny's help, children will learn how to handle their money responsibly.

		Open to all member's children, grandchildren, etc. . . . (Up to age 10)
		$25.00 initial deposit to begin earning dividends.
		Must have a Social Security number.
		No membership fees. No service charges.

Each child receives a:

		Penny Penguin passbook and membership card.
		Quarterly newsletter, "Penny's Peeps". Tips on savings as well as other activities!
		Other correspondence from Penny throughout the year.