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Expand the savings potential of your young savers with a SMART account from your Neighbors! Our SMART program – Student Money Awareness and Readiness Track – is designed to teach savings and money management skills to the youngest of savers up thru age 22, taking them from their youth and teen years through young adulthood. Best of all, SMART members will watch their savings grow fast, with an exclusive 10.0% APY* on the first $1,000 on deposit in a SMART savings account!