Accounts for Kids & Teens
Helping young savers build confidence w/ money.
A great start for building healthy money habits.
Our youth accounts are designed to help young savers understand how money works, learn responsibility, and build confidence as they grow. With no monthly fees and tools built for families, these accounts make it easy to practice real-life financial skills.
Hands-On
Kids and teens get their own savings — and sometimes checking — experience, so they can practice managing money safely.
Supportive
Parents and guardians stay connected and can guide spending, saving, and smart decision-making along the way.
Flexible
Designed for every stage, from early savers to teens preparing for financial independence.
Kids Savings (Ages 12 & Under)
Kirby Kangaroo Club
A fun, hands-on savings program that helps kids learn how money works while earning rewards along the way. Open a Kirby Kangaroo Club Savings Account with a $10 minimum deposit and earn monthly dividends.
- Prizes for Saving
Every time your child deposits $5 or more, they get to choose a prize from the Credit Union Treasure Chest. Saving feels exciting, not boring. - Birthday Deposit Match
Each year, kids receive a special birthday postcard. During their birthday month, they can use it to match their deposit up to $5. - Kirby Kangaroo Activities
Kids can explore financial basics through the Kirby Kangaroo website, featuring stories, games, jokes, and activities. Members also receive the Kirby Kangaroo newsletter three times per year.
Teen Accounts (Ages 13–17)
CU Rising Savings Account
Exclusively for teens, CU Rising helps young members build smart financial habits as they take on more responsibility. It’s a great way to learn how to save consistently, manage spending, and prepare for what’s ahead — from buying a first car to heading off to college.
At age 13, all Kirby Kangaroo Club accounts automatically transition to CU Rising.
- Smart, Simple Savings
A teen-friendly savings account that earns dividends and encourages consistent saving for future goals like school, sports, or big purchases. - Everyday Spending with Supervision
With a Teen Checking account and debit card, teens can practice responsible spending while parents or guardians maintain oversight for peace of mind. - Online & Mobile Banking
Teens can check balances, monitor spending, and learn to manage their money digitally — skills they’ll use for life. - Financial Education
These accounts help teens understand budgeting, saving, and making smart financial choices before they head into adulthood.
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Start their savings journey today.
Whether they’re just learning about money or ready for more responsibility, we’ll help them take the next step with confidence.
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DISCLOSURES: **APY=Annual Percentage Yield. For these accounts, the APY for tier will apply only to the portion of the account balance that is within that tier. The APY, which will vary depending on the balance in the account, is shown for each tier. Total interest paid on these accounts is the sum from each tier resulting in a “Blended APY” as disclosed on the rates and service charges document and product details page. A monthly qualification cycle begins on the first day of the statement cycle and ends on the last day of the statement cycle. Limit one Reverse Tier Money Market Account per primary Social Security Number. Certain withdrawal limits apply to Money Market accounts, be sure to review your Membership and Account Agreement Disclosure for details. Credit Union membership required. If you’re not already a member, it’s easy to qualify. Ask to join today! Federally insured by the NCUA.