Youth Accounts

Helping Young Members Grow Financially

We believe it's important to start building financial confidence early. Our youth accounts are designed to help children and teens learn how to manage money with the right tools and support. Whether it's saving birthday money, learning how to track spending, or preparing for future goals, these accounts give families a simple way to build strong habits together.

These accounts are for members under the age of 18 and require joint ownership with a parent or guardian.

Start Saving Early

The Founding Savings Account is a great way to introduce children to saving. It helps youth members learn the value of setting money aside while giving parents or guardians the ability to guide them along the way.

Features:

• Available to members from birth through age 17

• Requires joint ownership with an adult

• Encourages early saving habits

Built for Teens Gaining Responsibility

This basic checking account is available for teens starting at age 13. It provides real-world experience managing money with a debit card in their name, while offering safeguards that help teach responsible banking.

Features:

• Available to members ages 13 through 17

• Requires joint ownership with an adult

• Youth member receives a debit card in their name

• No overdraft protection available

• No soft credit pull required

Stronger Savings for Long-Term Goals

The Lightning Rod Certificate is a youth-exclusive CD that offers a competitive rate and the flexibility to add funds during the term. It's ideal for young savers working toward larger goals or just learning about long-term savings.

Features:

• Available to members from birth through age 17

• 12-month term at 3.50% APY

• $100 minimum to open

• Additional deposits allowed during the term

Opening a youth account is simple. Visit any branch to get started. Our team is here to help you set your child on the right financial path.

For more information, call 803-432-8521 or visit our Contact Us page.