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YoungStar Kids
Teach them the value and rewards of saving with a youth savings account
Grow
Save and earn dividends¹
Manage
Online access for joint account owner (the grown-up!)
Membership
Your child can be a member for life
Their first financial step is a kids’ savings account
Learning the value of money is an essential life skill. So, why not start early? When you open a YoungStar Kids Account, your child can step into a lifetime of good money habits and benefits. This savings account for kids gives them lifelong dividends¹ and credit union membership.
Terms
- Earn 1.40% dividends¹ on savings
- $25 minimum deposit, no minimum balance to earn dividends
- Child must be 12 years or younger
- No maintenance fees
Features
- Parent, grandparent or guardian as joint account owner, minor is primary
- Account provides Civic membership for child
- Automatically rolls up to a NextGen Savings Account at age 13
- Online banking access for adult, joint account owner only
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Here are a few FAQs
What type of identification is required to apply for a youth or teen account when under age 18?
The parent or guardian will have to meet the ID requirement for our Civic youth accounts. The minor will not have to provide an ID.
What happens when the youth turns 18?
Our Civic youth accounts are designed to help you teach your child smart money habits as they grow. At age 18, we welcome your teen into a full financial life! That’s when the NextGen Savings Account will automatically transition to a Select Savings Account. And that’s when NextGen Checking Account will automatically convert to a Bonus Checking Account when the minor turns 18.
Do youth accounts come with a debit card?
The YoungStar Account, for children ages 0 to 12, offers only an ATM card to withdraw funds; the YoungStar Account does not offer online access. At age 13, YoungStar converts to a NextGen Savings Account for teens aged 13 to 17 that offers limited mobile and account access to help your child to learn to manage money. You can choose to apply and pair your NextGen Savings with a NextGen Checking Account for teens, which offers a debit card and also offers limited online and mobile account access.
Are there any fees for youth accounts?
There are no fees — no overdraft, insufficient funds or maintenance fees for youth accounts.
How do we deposit money or make withdrawals from a youth account?
Under the watchful eye of parents, NextGen teens age 13-17 can use our online and digital channels to conduct transactions on their accounts, from anywhere. This includes mobile phones, ATMs and remote check deposit! For the YoungStar members ages 0-12, parents will conduct transactions on behalf of their young members.
Do youth checking accounts include checks?
The NextGen Checking account for ages 13-17 does not include checks. It does include a debit card that enables your teen to make purchases, like school supplies, tickets to school events, concessions, and other needs under your watchful eye. The YoungStar account ages 0-12 does not have checks or a debit card.
Open a youth savings account today!
Give them the opportunity to save and grow their money with a kids’ savings account, for a solid start to their financial future.
1 Minimum opening deposit of $25. No balance requirement to earn dividends, which are compounded daily and paid monthly.
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