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 build confidence with money is one of our most meaningful goals. Our Earn and Learn Youth Savings Account is designed to grow with young members, giving them hands-on experience with saving, spending and planning for the future.
The best time to start is today. Whether you are a parent, guardian, or a young member taking your first steps towards financial independence, we're here to guide you every step of the way.
Getting Started with Membership
Your 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 Earn and Learn Youth Savings Account, available exclusively to members under the age of 18.
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 information on our youth accounts.
Great Choice For:
- Jump-start savings for members age 18 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 Youth Savings
For all young members age 18 and under, a great next step is to add our Earn and Learn Youth 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.