Youth Account

Q: Who can open a CCCU Youth Account?

A parent, grandparent, or guardian must be joint owner on the account and generally open the account for the youth who will be the primary account owner.

Q: Can my child have their own debit card?

For younger kids, a Greenlight card from our partner comes with spending limits you control. For older teens who have opened a student checking account, they can have their own debit card.

Q: Can my child earn interest on their savings?

Your child can earn dividends on a Youth Account, and a Youth Certificate pays a fixed rate on balances of $100 or more, with deposits allowed at any time up to $10,000.

Q: How do I open up a Youth Certificate?

You can open a Youth Certificate online, by visiting a CCCU branch or calling us at (800) 223-2801.

Give Their Money
Somewhere to Go

Whether they're saving for something special or learning the basics, the right account can help set them up for success.

OPEN A YOUTH ACCOUNT

Find the Right Account for Their Age

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Kids Club Account

Designed for Ages 0-14

Help young savers build healthy money habits, grow their savings & have fun along the way with birthday surprises, special events & more!

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Student Account

Designed for Ages 15-17

Financial independence starts here. With a debit card & mobile banking, teens can manage their own money while building confidence.

A Head Start You Can Keep an Eye On

No Monthly Fees

Watch every deposit add up with no maintenance charge.

No Minimum Balance

Start with whatever your child has saved so far.

Mobile App Access

Check the balance and move money from your phone.

Easy Tracking

See what comes in and goes out at a glance.

Help Their Savings Grow

A Youth Certificate of Deposit (CD) is another way to help young members save for the future. Get started with just $100 and add funds to it anytime! It's an opportunity to put money aside for bigger goals while learning the value of saving.

Open a Youth CD

Freedom for Them, Peace of Mind for You

We teamed up with Greenlight to give kids a debit card and app of their own. Get alerts whenever they swipe, set ground rules for spending, and let built-in games teach them how to budget.

EXPLORE GREENLIGHT

Son-and-mother-online-shopping-at-bedroom

Read Five Books, Earn $5

Check out and read 5 books to earn a $5 deposit, then explore fun games, videos, and activities on our Youth Programs page.

EXPLORE YOUTH PROGRAMS

Youth Account FAQs

Who can open a CCCU Youth Account?

Can my child have their own debit card?

Can my child earn interest on their savings?

How do I open up a Youth Certificate?

Open Their First Account

Apply online, visit a branch together, or talk with a CCCU team member about the right account for your child’s age.

OPEN A YOUTH ACCOUNT TALK TO OUR TEAM

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Youth Account

Give Their Money
Somewhere to Go