Youth Accounts

Youth savings accounts that grow with them

🎓 Earn rewards for good grades and reaching savings goals
💰 Earn a higher rate on the first $500 saved
😌 Teach smart money habits with age-appropriate account access

A father and son have fun playing basketball after opening a youth account at Community Choice Credit Union

Smart, simple youth accounts for every stage

Whether it’s saving up for a new bike or just learning how money works, our youth savings accounts help kids and teens start smart. They’re easy to open, fun to use, and designed to teach financial responsibility at every step.

Ready to help your child start saving?

Saving made easy for kids (ages 0-11)

Effortless and secure, our kid-friendly Captain Choice savings account makes it simple for little savers to begin their financial journey.

Here’s what’s included:

Earn 1.00% APY* on the first $500
Rewards for good grades and reaching savings goals
Fun games and activities to make saving exciting

A free welcome gift when you join

Convenient money tools for teens (ages 12-17)

Designed for teens who are ready for more independence, this account helps them take the next step toward financial freedom with confidence.

Here’s what they get:

A focus on building smart habits that last

Earn 1.00% APY* on the first $500

Optional checking account and debit card to learn real-world money management

Why families love our youth accounts

Quick to open—online or in person
Secure and trusted by parents, guardians, and grandparents
Easy for kids, empowering for teens, reassuring for parents

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.

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.

Become a member

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers and 30K+ fee-free ATMs

Disclosures

*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.