Youth Accounts

Promote healthy money habits early
It’s your Advantage

Help Your Child Take Control of Their Finances

Our Youth Spend & Savings Accounts allow you to teach your child the responsibilities of managing money that will pay off as they grow into adulthood.

Parental Controls

As the parent or legal guardian, you’re the joint account holder which means you can set daily debit card limits, receive account alerts, and monitor their spending activity.

No Fees

Enjoy the peace of mind knowing your child will not be charged monthly service fees or overdraft fees.

Early Direct Deposit

Teach your teen the responsibility of budgeting their paycheck sooner rather than later with our Early Pay perk.

Youth Savings Account

Available to members 17 years of age and younger
Ideal account for birthday money and income earned from part-time jobs
Combine with the Youth Spend Account to practice daily money management

Youth Spend Account

Available to members 17 years of age and younger
Requires a Savings Account with $5 minimum deposit
Includes a Debit Mastercard*
Early Direct Deposit with Early Pay*
At age 13, parents can grant their child access to our free Digital Banking tools

Today’s Rates

Youth Accounts
Account	Dividend	APY*	Opening Balance	Compounded/Credited	Average Daily Balances**
APY = Annual Percentage Yield *Average Daily Balance required to earn Dividends Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information on your account please see your Membership & Account Agreement. If you have any questions or require current rate information please call the credit union at 757-877-2444.
Account Youth Spend	Dividend 0.05%	APY* 0.05%	Opening Balance $5.00	Compounded/Credited Quarterly	Average Daily Balances** $100
Account Youth Savings	Dividend 0.05%	APY* 0.05%	Opening Balance $5.00	Compounded/Credited Quarterly	Average Daily Balances** $100