Starting young is smart!
You give them everything, now give them the gift of a more secure future. Invest in a Youth or Teen account today, so it's ready for them by the time they need it most.
youth accounts
Learning the value of financial planning from an early age.
It's never too early to start saving for their future. Opening a United Financial Youth Account teaches kids the value of money by building their own youth savings accounts. Plus, kids can enjoy visiting their local credit union thanks to our special promotions and activities! Youth members under 12 must be accompanied by an adult to open their first credit union youth account.
- Punch card to keep track of deposits - earn prizes with a completed punch card!
- SmartStart - Your money journey begins here —track savings, set goals & learn smart habits
- Report Card Rewards - Students get cash rewards for earning As and Bs in school!
- Read-A-Saurus Program - Read books each month, earn a monthly prize, and be entered to our quarterly gift card drawing.
- Free coin counting for kids every 2nd Wednesday of the month!
Once they turn 13, teens are encouraged to learn their own financial independence with a “Financial Beginnings” account! They can also open their own checking account with a debit card!
Easy to Start
Stop into our local office to get your Youth or Teen account opened today!
Encouraging Rates
Teaching kids to save is a worthwhile goal for all of us. That’s why we offer Youth CDs at amazing rates!
Freebies & Prizes!
Opening a SmartStart Account comes with Savings Rewards, Report Card rewards, and more!
SmartStart Youth Certificates (CDs)
|
Certificate/CD |
Interest Rate |
APY* |
|
6-Month SmartStart Youth CD** Available for members under the age of 21
|
4.88% |
5.00% |
|
6-Month 4H or FFA CD*** |
4.93% |
5.05% |
*APY = Annual Percentage Yield. All dividends and interest are paid monthly and are based on average daily balance. There could be penalties for early withdrawal.
**Minimum investment of $100
**Maximum investment of $2,000
***Amount of 4H or FFA check, up to $5,000
Fees could reduce earnings
teen accounts
GUIDING YOUR TEEN TOWARDS FINANCIAL RESPONSIBILITY
As your teenager navigates through their formative years, United Financial offers banking for teens through specialized credit union teen accounts to foster their financial literacy and independence. Our teen checking and savings accounts are crafted to teach essential financial management skills to those aged 13-17. Get their account started with just $5.00 {requires ID or Social Security Card and adult accompaniment}
For Your Teen's Financial Growth:
- Teen Checking & Debit Card: encourages responsible spending and tracking.
- Custom Debit Card: Express your creativity by adding your favorite photo to your United Financial Debit Card! Get Started Here
- SmartStart: Your money journey begins here —track savings, set goals & learn smart habits
- Auto Loans: Affordable financing options for your teen's first car.
- Digital Banking: 24/7 account access via web or mobile app.
- UFirst Financial Scholarship opportunities
banzai teen program
Interactive financial education course for real-life money management skills. Learn More
Guide to Money
Review the Guide to Money to open you very own Financial Beginnings Teen Account. Complete a short test in order to open your account.
See how life is better when you’re a member.
PROTECTING CHILDREN’S PRIVACY ONLINE