From preschool to high school, our youth club accounts help kids of all ages learn the value of saving.
Key Features
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Competitive Dividends
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Rewards for Deposits
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No Monthly Service Charges
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No Minimum Balance Requirements
Early Bird Savings Club
- Available to young savers from 2–12 years old
- Competitive dividends on entire balance
- No monthly service charges
- No minimum balance requirements
- Earn Birdie Bucks for prizes, including toys, games, puzzles, and more
- Earn 1 Birdie Buck for every $10 deposit
- Receive a welcome gift when you open your account
- Get a birthday postcard — good for a gift or $5 in Birdie Bucks
- Free unlimited coin counts
- Join us in celebrating National Credit Union Youth Month every April
- Automatic enrollment in our Team Varsity Club on your 13th birthday
- Free digital banking
- $5 minimum deposit to open
Team Varsity Club
- Available to teens from 13–18 years old
- Competitive dividends on entire balance
- No monthly service charges
- No minimum balance requirements
- Free unlimited coin counts
- Receive a welcome $5 gift card when you open your account
- Student Account Reward Card available
- Earn stamps on your reward card based on the amount of money you save
- Once your card is full, redeem it for a $5 gift card1
- Watch for fun & free financial workshops throughout the year
- Use student-run credit union branches located in two local high schools
- Graduating high school students may apply for a $500 scholarship
- Open a HarborLight checking account2
- Free digital banking
- Free Visa debit card3
- Nationwide surcharge-free ATMs via the CO-OP network
- $5 minimum deposit to open
Reward Card Stamps
| Amount Deposited | Stamps Earned |
| $25 – $99 | 1 Stamp |
| $100 – $199 | 2 Stamps |
| $200+ | 3 Stamps |
1At 19 years old, members may complete an already started Student Account Reward Card. Members have 90 days to receive stamps for Direct Deposit.
2Must be 14 years old to open a checking account.
3At 14 years old, members are eligible to apply for a Visa debit card. To qualify, a parent must be joint on the checking account. At 17 years old, members are eligible to apply for a Visa debit without a parent.
