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It’s never too soon to start on the path to learning money management skills and achieving financial success.

Youth Savings Account

Open a Youth Savings Account and start putting money aside now. Learn about the importance of saving money and how to manage a savings account.

Youth Savings Accounts are available for those between the ages of birth through 17, and requires a parent or guardian 18 years old or older as a joint owner of the account.

To open a Youth Savings Account, please visit a branch.  

At account opening, two forms of identification are required for the youth, including a photo ID. Acceptable identification forms include a state issued photo ID, passport, birth certificate, social security card or green card.   


Youth Checking Account

Gain additional financial independence by opening a Youth Checking Account. Learn about money management and budgeting, as well as how to use digital banking tools and make deposits, use an ATM, and a debit card.

Youth Checking Accounts are available for teens ages 14-17, and requires a parent or guardian 18 years old or older as a joint owner of the account.

  • Free, no interest checking account with no maintenance fees
  • No minimum deposit or balance is required
  • Includes a Visa debit card
  • Manage account with digital banking and free SPCU mobile app
  • Access to more than 55,000+ surcharge-free ATMs

Requirements & Exclusions

  • Must enroll in eStatements
  • No paper checks
  • Not eligible for premium overdraft protection or courtesy pay
  • $250 daily limit on debit card withdrawals and purchases
  • No Mobile or ATM deposits
To open a Youth Checking Account, please visit a branch.

At account opening, two forms of identification are required for the youth, including a photo ID. Acceptable identification forms include a state issued photo ID, passport, birth certificate, social security card or green card.

Savings Account Rates
Effective Sep 22, 2020
Description Dividend Rate APY* Min Open Deposit
Youth Savings Account** 0.10% 0.10% $5
*APY = Annual Percentage Yield
**The minimum required to open this account is the purchase of a $5.00 share. If the balance remains below $5.00 in excess of six months, a $1.00 monthly service charge will be assessed. The minimum withdrawal amount is $10.00. Transactions are subject to limitations.

Open a Youth Account Today

 

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