Share Youth Accounts

Up to 9 Years of Age

Learn the value of money and start saving for all those cool toys you want. Save every penny, nickel, dime, and quarter and before you know it, that change will turn into dollars. The best part about bringing your money to the credit union is that you earn extra money, called dividends, just for saving!

Open up a Youth Share Savings Account with a minimum $5.00 opening deposit.* You’ll be saving in no time!  In addition, you may open a Youth Share Term Certificate with a minimum $500 opening deposit.**

Attention Parents! Teach your kids basic money management skills and learn some simple tips with our “Teach Children About Money” literature. The next time you visit our branch, be sure to ask how you can help encourage your kids to save at an early age and ask about opening up a youth account for them.

10 to 13 Years of Age

It’s your money – you’ve earned it, now what are you going to do with it? It’s easy to take the money you’ve earned and spend it quickly on movie tickets, music, new clothes, and video games. However, you may want to consider saving your money and watching it grow. Learn how to become financially responsible today and reap the rewards tomorrow.

Open up a Youth Share Savings Account with a minimum $5.00 opening deposit.* The more you deposit, the more you will earn. Watch your money grow even more by opening a Youth Share Term Certificate with a low minimum $500 opening deposit!**

Attention Parents! Teach your kids basic money management skills with our “Teach Children About Money” literature. Get them thinking about Saving, Share Draft Checking, How to Borrow, and other key financial milestones with our “Guide to Money” booklet. The next time you visit our branch, be sure to ask how you can encourage your kids to save and spend wisely.
 

14 to 19 Years of Age

As you are becoming more financially independent, it’s easy to become overwhelmed with the sudden responsibilities. At this age, you will want to learn how to handle your money wisely and achieve your financial goals such as: Balancing a Checkbook, Budgeting Effectively, Preparing to Buy Your First Car, Saving for College, and much more.

Open your Youth Share Savings Account with a minimum $5.00 opening deposit.*  

You may also open a Youth Share Term Certificate with a minimum $500 opening deposit and earn a higher-yield on your savings!**

Open a Share Draft Checking Account, obtain Drafts/Checks, and an ATM or Debit Card and get an early start in learning how to manage your finances and use these important tools in your daily life!***

View your balances, pay your bills, and more with Best Reward Online or Mobile Banking 24 hours a day, 7 days a week! Click HERE for details on accessing your accounts, whenever it's convenient for you!

 

 

*Minimum balance of $5.00 or more required to earn dividends.  Dividends calculated on an average daily balance and paid monthly. Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).

**Minimum balance of $500 or more required to earn dividends. Dividends calculated on an average daily balance and paid monthly. Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).

Early withdrawal penalties may reduce earnings. We are not required to pay out your certificate before maturity. If we do permit an early withdrawal, you will be charged a SUBSTANTIAL PENALTY based on the original maturity and the amount withdrawn as follows: 1) DEPOSITS WITH ORIGINAL MATURITY OF ONE YEAR OR LESS – Forfeiture of the lesser of the following two amounts: dividends since the date of issuance or renewal, or 90 days dividends on the amount withdrawn, whether earned or not, 2) DEPOSITS WITH ORIGINAL MATURITY OF MORE THAN ONE YEAR – Forfeiture of the lesser of the following two amounts: dividends since the date of issuance or renewal, or 180 days dividends on the amount withdrawn, whether earned or not. We will pay the certificate without penalty if the owner passes away or is determined to be legally incompetent.

***Must be at least 16 years of age with a parent/guardian of legal age as joint owner.  ATM/Debit Cards must be issued in the parent/guardian's name.  The minor may write drafts/checks and use cards issued on the account with the parent/guardian's consent.  The parent/guardian assumes full responsibility for the account. Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).

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