Youth Accounts

Youth accounts help kids and teens learn the value of money while building healthy saving habits for life. Along the way, they’ll pick up key financial skills like budgeting, setting goals, and managing spending. This gives them the confidence to take control of their financial future and share those lessons with others.

Age Group Perks

    • Savings Account Only

    • $5 Reward for Each “A” (or Equivalent): Earn up to $20 per school year starting in kindergarten.

    • $50 Bonus for Straight A’s: One-time reward each school year.

    • Special Savings Rates: 2% up to $2,000 (regular rate if over $2,000)

    • Special Rate CD: $500 minimum, $5,000 maximum

    • Deposit Rewards: Make 10 deposits of $15 or more and maintain a $150 balance (parent-tracked) to earn a free piggy bank or teddy bear!

    • “Our Nest Egg” Program: A fun and simple way to encourage consistent saving habits.

    • Birthday Gift Card

    • Savings & Checking Account

    • Debit Card: Spending limit set by the credit union, with added parental input.

    • $5 Reward for Each “A” (or Equivalent): Earn up to $20 per school year

    • $50 Bonus for Straight A’s (or Equivalent): One-time reward each school year.

    • Special Savings Rates: 2% up to $2,000 (regular rate if over $2,000)

    • Special Rate CD: $500 minimum, $5,000 maximum

    • “Our Nest Egg” Program: A fun and simple way to encourage consistent saving habits.

    • Birthday Gift Card

    • Savings & Checking Account

    • Debit Card: Spending limit set by the credit union, with added parental input.

    • Special Savings Rates: 2% up to $2,000 (regular rate if over $2,000)

    • Special Rate CD: $500 minimum, $5,000 maximum

    • Credit Builder Counseling

    • First 6 Months: Choice of either a credit card or a credit builder loan, each with a $500 limit. Eligible for a credit increase after 6 months of on-time payments.

    • After 6 Months: Eligible to qualify for both a credit card and a credit builder loan

    • Special Auto Loan Rates

Open a Kid's Account
Open a Youth Account
Open a Young Adult Account

Age Group Requirements

    • An adult joint owner who is eligible for membership

    • $25 minimum deposit to open an account

    • Must have a minimum balance of $100 to receive interest

    • Parental controls

    • Can convert joint account to individual

    • Eligible for membership

    • Must have a minimum balance of $100 to receive interest

    • $25 minimum deposit to open account

Family Resources

  • Sweet Subscriptions:
    A fun, hands-on activity that helps kids spot recurring and impulse spending and understand how small costs add up over time.

  • 6 Pots of Gold:
    A visual, hands-on budgeting activity that shows how planning, prioritizing, and saving work together.

  • Dive Into Lending
    An interactive, kid-friendly experience that makes learning about loans and interest simple and easy to understand.

  • Debit Card Maze
    An activity that teaches smart debit card habits through real-life spending and security decisions.

  • Summer CEO
    A hands-on way for kids to build confidence, understand money, and take ownership of their decisions.