Smart Start Youth Accounts
Savings
Saving should be simple.
Whether you're saving for your first car, college, a big purchase, or just building a cushion, a Youth Savings Account gives you an easy place to start.
Just a straightforward savings account that earns 0.25% APY* and helps you build good habits at your own pace. The earlier you start, the more time you have to grow your savings and work toward the things that matter to you.
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| No minimum balance. | No balance caps. | No complicated tiers. |
Checking
As you start managing more of your own money, a checking account gives you an easy way to handle everyday spending. Essential Checking is free with eStatement enrollment, with no minimum balance required.
Bank wherever you are with online and mobile banking, a debit card, and access to 30,000+ fee-free CO-OP ATMs.
Plus, you’ll get added protection with ID theft assistance and Buyer’s Protection and Extended Warranty on eligible purchases.*
*Personal identity theft benefit, and purchase protection are subject to additional terms and conditions.
**Insurance products are: Not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.
Ready to take control of your finances? Come into your nearest branch or contact us to get started.
Savings Certificates
Save for something bigger.
Have money you won’t need right away? A Savings Certificate can help it grow faster. Choose how long you want to save, leave your money in place for that time, and earn a higher rate than a basic savings account.
More time to save = more opportunity to grow your money.
| Term | APY* | Rate |
|---|---|---|
| 6 Months | 2.00% | 1.98% |
| 12 Months | 3.00% | 2.96% |
| 18 Months | 3.00% | 2.96% |
| 24 Months | 3.00% | 2.96% |
| 36 Months | 2.75% | 2.72% |
| 48 Months | 2.75% | 2.72% |
| 60 Months | 2.75% | 2.72% |
Contact us below or visit your nearest branch to open a savings certificate today.
Frequently Asked Questions
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What's the minimum age for a youth savings account?
A minor is eligible for a savings account as soon as they are born. Children aged 0–11 are eligible for a Cub Account, and ages 12–18 are eligible for a Youth Savings Account.
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Does my child need to be present to open a savings account?
If your child is under 12 years of age, they do not need to present in order for you to open a savings account in their name.
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What do I need to open a youth savings account?
- Valid government-issued photo ID for the parent or guardian
- Valid photo ID for the minor (optional, but encouraged)
- SSN for the both the minor and the parent or guardian
- The physical address for both the minor and the parent or guardian
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What happens once my child turns 18?
On your child's 18th birthday, their youth savings account automatically converts to a regular savings account.
