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Youth Accounts

Start good money habits early

It’s never too soon to pick up helpful habits. Our youth savings accounts were designed to help kids watch their cash increase and understand the value of smart money management.

The perfect account for birthday savings

Our savings accounts for kids and teens foster financial education, encourage saving habits, offer a safe and secure place for funds, and teach financial responsibility.

Captain Choice

An account designed for ages 0–11 with a simple $5 deposit to get started. Kids earn 1.00% APY* on the first $500. Plus, earn an annual birthday reward!


Best for ages 12–17, this free savings account earns 1.00% APY* on the first $500. Get started with a $5 deposit and build more financial responsibility with an optional checking account and Debit Mastercard®.

Benefits for teens and kids

A youth account is a valuable tool in preparing your child for a healthy financial future.

Financial education

Youth learn how to manage their money, make deposits, and track their balances.

Safety and security

Our youth savings accounts are insured by the NCUA in the United States. Funds are always protected.

Better saving habits

Having their own savings account, young people are encouraged to save money regularly.

Interest earnings

As their money grows over time, kids and teens see the true benefits of saving.

Moving money

Parents/guardians can link their accounts to easily transfer funds to the child’s account, while also monitoring balances.

Financial goals

Set and work toward financial goals, whether it’s saving for a bike or a college education.

Financial independence

A savings account can give young people a sense of financial independence and responsibility.

Gifts and allowances

Friends and family members can contribute to these accounts for holidays and birthdays.

Deposit Match

New Youth Accounts can earn up to $25**

When opening your child’s account, mention promo code YouthEducation25 and your opening account deposit will be matched up to $25.

Family at park

Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

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*APY is designated as Annual Percentage Yield. APY is based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a Credit Union representative.

**Must open a new Youth Account to qualify for a deposit match promotion up to a maximum of $25. Deposit match is only on the first deposit made to the new account at the time of opening the account. If the first deposit is $5, then the match will be $5. To get the maximum $25 match, the first deposit in the new account must be $25. Promotion subject to change at any time without notice.