Youth Accounts

Compare Our Youth Accounts

Feature	Student Package	SavvyOne Teen Package	KidsOne Club Package
Age Range	18+ years	13-17 years	12 & under
Share Account Dividend	0.05% APY*	3.00% APY*	3.00% APY*
Share Account Monthly Fee	$0	$0	$0
Share Account Minimum Balance	$5	$5	$5
Share Account Opening Deposit	$5	$5	$5
Checking Account Dividends (Spend Checking Account)	2.75% APY***	2.75% APY***	N/A
Checking Account Monthly Fee	$0	$0	N/A
Checking Account Minimum Balance	$0	$0	N/A
Checking Account Opening Deposit	$25	$25	N/A
Visa® Debit Card	✓	✓**	N/A
Free Unlimited Check Writing	✓	✓	N/A
Free Educational Resources	✓	✓	✓
Mobile & Online Banking	✓	✓	✓
CO-OP Network Access	✓	✓	✓
Other ATM Fee Reimbursement	✓	✓	N/A

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Youth Account Details

Additional Resources

• Savings Accounts for Kids
• How Much Does a Child Need in College Savings?
• How Can Building a College Savings Help?
• Visit the Online Financial Literacy Center

 

*Rate Information — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Regular Share Savings, KidsOne Club Accounts, SavvyOne Teen Accounts, Trust Regular Share Savings, IRA Share Savings, Health Savings Accounts, and Spend Accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Select Savings and Premier Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date set forth in the Rate Schedule. Health Savings Accounts, Premier Money Market, and Spend Accounts are tiered rate accounts. The balance ranges, corresponding dividend rates, and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Premier Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Health Savings Account, KidsOne Club Account, SavvyOne Account, and Spend Account, each dividend rate will apply only to that portion of the account balance within each balance range. 
**For Guardians and Parents: You must open a joint checking account with a free debit card that links directly to the cash in their account. As the joint owner on the account, you will need to request and authorize this service.
***The Spend Account is a tiered rate account. The minimum to open an account is $25. Rate tiers are as follows: First tier applies to balances of $0.01 - $25,000 if qualifications are met during the monthly qualification cycle. The second tier applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. The third tier applies to all balances if monthly qualifications are not met. Qualifications are as follows: make at least 12 debit card purchases, log in to online banking or mobile banking and enroll in eStatements. Rates may change after the account is opened. Offer for a limited time. There is a $2 monthly fee to receive paper statements with this account. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. The qualification cycle will begin on the last day of each month and end on the second to last day of each month. View the 2025 Cycle Calendar. One PremierOne Spend account is allowed per person. ATM Fee reimbursements up to $20 are provided only if qualifications are met within the monthly qualification cycle.