Set Up for Success at Every Age
Special Savings Rates
Safe Spending Tools
Low Minimum Balances
No Monthly Fee
Special Benefits for Young Members
Helping the next generation learn to confidently navigate the world of money is one of our most important goals. We offer several special accounts that grow with young members and help them learn key financial skills at every age to save, spend, and plan ahead.
The best time to start is today! And whether you are a family member, guardian, or a young member learning to navigate your personal finances, we’re here to help.
Getting Started with Membership
The first step is to open a member account in the young person’s name. Like any Together Credit Union membership, this starts with just a $5 opening deposit in a membership savings account.
Membership Savings Accounts by Age Group:
- Junior Account Savings – for members age 0–9
- Youth Group Savings – for members age 10–13
- Young Adult Financial Savings – for members age 14–21
For members under age 16, the savings account can be set up as a standard joint account with an adult joint owner, or as a trust account. See our Frequently Asked Questions below for more on the pros and cons of these options.
Great Choice For:
- Jump-start savings for members age 21 and under
- Earning interest on monetary gifts and long-term savings
- Building smart money management skills for young members
- Safely introducing payment card use
Earn and Learn Savings
For all young members age 21 and under, a great next step is to add our Earn and Learn Savings account. The Earn and Learn account offers a preferred rate on balances up to $1,000 so you can see your money grow faster as you build the savings habit. Learn more about the Earn and Learn account.
Youth Certificates of Deposit (CDs)
For longer-term savings, members age 21 and under also benefit from special rates and lower minimums on Certificates of Deposit (CDs). Learn more about Youth CDs.
Safe Spending Tools
Money management and payment card use are key skills in an increasingly cashless world. These tools can help young members practice smart spending habits while providing peace of mind for families.
- MyFit Access Debit Card – The MyFit Access Debit Card is a perfect first spending card. Like a pre-paid card, it cannot be overdrawn, but with no fees and no minimum balance. Plus, convenient access via digital banking to add funds and monitor spending. Learn more about the MyFit Access Debit Card.
- Card and Account Alerts – Set custom text or email alerts to stay in the know on exactly how and where the card is used. Learn more about Card and Account Alerts.
- Spending Limits and Restrictions – Our app lets you easily turn the card on and off, set custom spending limits, or even block certain types of transactions to help maintain guardrails on spending. Learn more about Card Management.
Other Resources
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Saves for Savings isn't just about soccer or saving money, it's about empowering students with the knowledge they need to confidently achieve their goals.
A growing family come with growing goals... and growing expenses. A realistic budget is a key to keeping your financial health in check.
With a plan in place, it's easier to keep your eye on the prize.