Little Savers with Big Dreams.
Establishing a strong financial base early in life is crucial. That's why we offer various account choices for young individuals as they embark on managing their finances and saving for the future.
At CCU, youth can open any of our accounts with an adult as a joint owner and enjoy all the same perks. To become a member at Co-op Credit Union, all they need is $5 in a membership share savings account. Let's kick off this money-saving adventure together!
Youth Account Options
Youth Savings Accounts
Share Savings
By opening a savings account, you become a member-owner at CCU.
- $5 minimum balance
- $20 minimum to earn dividends
Super Share Savings
With our tiered super share savings account option, you earn a higher rate when you maintain a higher balance. Achieve your savings goal faster as you grow your savings.
- $1,000 minimum balance
GoalSetter Savings
With this ‘hands-off’ approach to saving, it’s easy to set your goal, make a plan and save!
- Withdrawals limited to January, July and December only
- Account maximum of $10,000 to earn GoalSetter Rate
Youth Checking Accounts
Reward Checking
Earn more with checking that pays!
- Earns 2.25% APY on balances up to $25,000
- No monthly fee or minimum balance
- Free debit card
- Free online banking and mobile app
- Free real-time alerts via our mobile app, SMS or email
- Free Mobile Deposit
- Free ATM Withdrawals at all of our locations + Refund of surcharge ATM fees (up to $20 per statement cycle)
Free Checking
- No monthly fee or minimum balance
- Free debit card
- Free Online Banking and Mobile App
- Free real-time alerts via our mobile app, SMS or email
- Free Mobile Deposit
- Free ATM Withdrawals at all of our locations
- First 50 checks free upon account opening
Youth Certificates
Put your money to work for you with a share certificate at Co-op Credit Union.
- Terms of 6, 12, 18, 24, 26, 48 and 60 months available
- Competitive rates with a fixed rate that guarantees your return
- Dividends calculated and paid quarterly
- Can be used as collateral on loans
- NCUA insured
Youth Program: CCU Kids CAFE
The CCU Kids CAFE is a program for youth 17 and under that teaches the value and benefits of saving, community involvement, education and fitness!
This stamp card program serves as an introduction to CCU and the Credit Union Difference. Each stamp card completed earns a participation reward and serves as an entry into grand prize drawings that are held twice yearly.
Stamp cards will be available at each CCU location. At least two Financial Wellness stamps are required per stamp card to be eligible for prizes. There are no other requirements on types of stamps to complete a card. Youth participants must be present at a credit union office for all Financial Wellness and Educational Enrichment stamps, and the participant must be present for all prize redemptions.
How do you earn stamps? There are four ways:
- Community Involvement: Being involved in the community is positive, particularly at a young age. You can earn a community stamp by completing at least 30 minutes of volunteering. Options include but are not limited to food pantry, animal shelter or highway cleanup.
- Active Lifestyle: Get out there and enjoy some exercise! Earn a stamp by completing at least one hour of physical activity. Options include sports practices or games, run/walks, going to the gym, bike riding or hiking.
- Financial Wellness: It's never too early to start saving money. You can earn a financial stamp by opening an account at CCU if you aren't already a member, open a new account like a savings account or certificate or a deposit of at least $5.
- Educational Enrichment: Always keep learning and put a focus on education. To earn a stamp in this category, you can show us your report card, progress report, a Student of the Month honor, your Junior Achievement certificate or other educational honors you receive.
Only CCU employees can stamp and date completed squares for the Financial Wellness and Educational Enrichment categories. Parents/guardians and community members may complete Community Involvement and Active Lifestyle squares by signing, dating and providing a one-word description of the activity the youth completed. There is a maximum of one stamp per category per day.
For full program rules and details, check out the brochure in PDF format or call or visit us!
FREE Reward Checking Account
Find out how you can get more from your checking account with a 2.25% APY.