Youth Credit Card
Choose the Card That Works for You.
Your first credit card doesn't have to be a starter card with starter benefits. Choose from the same great Industrial Credit Union credit card options available to our members.
Rewards Credit Mastercard®
Earn cash back everywhere you use your card. No rotating categories or purchases to keep track of.
2% CASH BACK
On every purchase
$0 ANNUAL FEE
Low-Rate Credit Mastercard®
Skip the rewards and choose a card designed to keep your interest rate lower.
LOW RATE
Our low-rate credit card option
$0 ANNUAL FEE
Youth Credit Cards are available with a $500 or $1,000 credit limit. Credit approval required.
Same Card. Same Benefits.
Being under 18 doesn't mean getting a watered-down credit card. Youth Credit Cards include the same features and benefits as our standard Industrial Credit Union credit cards.
No Annual Fee
Keep more of your money with no annual fee.
Digital Wallet Ready
Add your card to your compatible digital wallet for easy everyday purchases.
Manage Your Card Online
Keep track of your card and account through Industrial Credit Union's digital banking tools.
Mastercard® Benefits
Get the benefits and protections that come with your Industrial Credit Union Credit Mastercard®.
Start Smart.
A first credit card is an opportunity to learn how credit works before you're completely on your own.
Our Youth Credit Card program combines a real Industrial Credit Union credit card with financial education, a manageable credit limit and the support of a parent or legal guardian.
1. Learn
Complete the free BALANCETRACK: Teens and Money course to learn the basics of using credit and managing money responsibly. Sign up for a BalanceTrack account to get started!
2. Apply Together
Bring a copy of your Teens & Money Course Certificate and visit an Industrial Credit Union branch with your parent or legal guardian. You'll apply as the primary borrower, and your parent or legal guardian will apply as the joint borrower.
3. Choose Your Card
Choose the Rewards Credit Mastercard® or Low-Rate Credit Mastercard® and apply for a $500 or $1,000 credit limit.
What You'll Need.
Ready to apply? Here's what you need to know before heading to a branch.
You must:
- Be 16 or 17 years old
- Be an Industrial Credit Union member or be eligible for membership
- Apply in person at an Industrial Credit Union branch
- Have a parent or legal guardian apply with you as joint borrower
- Bring an unexpired student ID or valid government-issued photo ID
- Complete the BALANCE: Teens and Money course before final approval
- Meet applicable credit and underwriting requirements
Not a member yet? No problem. If you're eligible for Industrial Credit Union membership, we can establish your membership as part of the application process.
Youth Credit Card FAQs
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Can my parent or guardian apply for me?
No. You must be present at the branch and apply as the primary borrower. Your parent or legal guardian will apply with you as the joint borrower.
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Do I have to already be an Industrial Credit Union member?
No. You need to be eligible for Industrial Credit Union membership, but your membership can be established as part of the application process.
Anyone who lives, works, or goes to school in Washington State is eligible to become a member!
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Do I have to complete the Teens and Money course?
Yes. The free BALANCE: Teens and Money course must be completed before your Youth Credit Card receives final approval.
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What credit limit can I get?
Youth Credit Cards are available with a $500 or $1,000 credit limit, subject to credit approval.
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Will my Youth Credit Card build my credit?
While you are under 18, the account will not be reported on your credit profile. Credit reporting for the youth borrower is suppressed until age 18.
The account will be reported under your parent or legal guardian’s credit profile as a regular tradeline because they are a joint borrower. Account activity, including payment history and balances, may therefore affect their credit.
After you turn 18, if the account remains open, its full history (including payments made before your 18th birthday) will appear on your credit report.
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What happens when I turn 18?
You'll need to sign a new credit card agreement as a legal adult. We'll provide information about completing this process when you approach your 18th birthday.
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | 9.90% - 24.90% when you open your account, based on your creditworthiness. After that, your APR may vary with the market and changes in creditworthiness. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: https://www.consumerfinance.gov/learnmore/ |
| FEES | |
| Annual Fee | None |
| Transaction Fees: | Cash Advance Fee - None Balance Transfer Fee - None Foreign Transaction Fee - None |
| Penalty Fees: | Late Payment Fee - $25 Over-the-Credit Limit Fee - None Returned Payment Fee - $25 |
Benefits are subject to change and may vary by card. Subject to approval based on credit worthiness. For complete and current benefit information, including terms, conditions, limitations, and exclusions, please visit Low Rate Mastercard® Benefits or Cash Back Mastercard® Benefits . See the Mastercard Cardholder Agreement for full account terms and conditions.
