YOUTH GROUP CDs

Start saving earlier with lower opening balances

Open an Account

Special Terms for Younger Savers

$500 opening balance

Apply to any fixed or variable rate CD

For members age 21 and younger

Helps boost early savings

An Easier Way to Save for the Future

To help our younger members grow their savings faster, members age 21 and under can open any of our fixed or variable CD types with just $500. They will enjoy the same great rates, term options and features.

Great Choice For:

Starting early with long-term savings
Investing a lump sum like a gift, inheritance or tax refund
Saving for goals with a known timeline months or years in the future.

Frequently Asked Questions

Learn more about certificates of deposits and youth accounts below

What is a Certificate of Deposit (CD)?

A certificate of deposit (CD) is a safe, virtually no-risk savings tool that can boost the amount of interest you earn over a specific amount of time (or term).

You choose the term based on what your financial institution offers, and how long you are willing to leave your money in the CD. The amount of interest rate (or return) is a guaranteed percentage that you earn when the CD reaches the end of the term (or matures).

Open a Youth or Teen Account

Online:

Submit a Youth Account Application

Once submitted, a team member will reach out to you within 1-2 business days to confirm and complete your request.

In Person:

Find a local branch or schedule an in-person appointment.

To learn more about becoming a youth or teen member, please visit our Youth & Teen Accounts page.

Financial Wellness Resources

Savings Accounts, General Information

Start Early with a Junior Savings Account

Starting good savings habits early in life sets the stage for success.

Partnerships, Community Impact

When CITY Saves, Kids Win: St. Louis CITY SC and Together Credit Union Celebrate the Saves for Savings Program

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.

About, Accounts, Checking Accounts, Savings Accounts, General Information, Online Account Opening

5 Tips for Young Adults Starting Their Financial Independence

Advice from those of us who've "been there, done that."

Disclosures:

View our Truth-in-Savings CD disclosures, stop by your local branch, or call 800-325-9905 for more details.

*APY=Annual Percentage Yield. Assumes principal and interest remain on deposit for the entire term. Penalties apply for early withdrawal or closure of CD. Withdrawals and any associated penalties or fees may reduce earnings on the account. Interest is paid and compounded monthly based on the daily balance method. Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Rates subject to change without notice. Other rates and terms available.