Youth Accounts

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Student Certificate Special
Get up to

1.71% APY*

12 Month Term | $250 Minimum

April is Credit Union Youth Month

Empower your children to save and develop healthy money habits! Open a youth account in April and we’ll match the first $5 in deposits**.

This month, you can help your children on their path to financial success with their very own youth account.

You can also help your kids learn about money this month with our short, fun online Pop-Up classes! Scroll down to learn more.

*APY= Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice.

** Deposit match applies to first $5 only for youth accounts (ages 0–18) opened during the month of April 2023. Offer expires 4/30/23.

The rates and terms shown are effective as of March 23, 2023.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

Youth Month Pop-Up Classes

Your little ones will learn important topics they’ll keep with them for a lifetime on their path to financial fitness.
Explore our topics this month and save your spot for these free, no sales-pitch educational classes!

Making Money

For parents and kids ages 5 – 12

Ways people earn income

Saving Money

For parents and youth ages 5 – 12

The importance of saving money

SMART Budgeting

For parents and teens ages 13 – 19+

Spending and saving money

Credit 101

For parents and teens ages 13 – 19

What is credit and how to use it wisely

Strong Financial Futures Start Here

From lemonade stands in the summertime to after-school gigs to save for college, your children can flourish financially at any time, at any age with their very own youth account. In addition to certificates, savings and checking accounts we provide them with the tools they need to succeed.

We’re here to help your children learn to save and develop healthy money habits. Scroll down to learn about our youth accounts and how you can start your kids’ financial journey off right.

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Checking & Savings

Youth checking and savings are the foundational accounts we offer to help kids build a strong financial future.

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Student Share Certificate

A certificate at a special rate just for kids that will help them see how their money can grow in a term share account.

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Money Management

Your child will have access to a powerful suite of online tools to help them learn the value of saving and wise spending.

The Pre-School Years

Take the first step by opening a savings account or certificate. Monetary gifts from loved ones can be deposited to help start their savings journey off right.

  • Explorer Savings
  • Youth Certificate

During Elementary School

This is a great time to help your child establish savings goals! Visit a branch and show them how to deposit their allowance into their savings account.

  • Explorer Savings
  • Youth Certificate

Your Middle Schoolers

Set your kid up with online access so they can track their goals on their own. Our app comes equipped with features that make saving fun and easy.

  • Money Management Tools
  • Youth Certificate
  • Explorer Savings
  • Youth Checking

The High School Years

Once they’re 15 they’ll be eligible for a debit card! By this time they’ll be ready to make their own purchases and put their money skills to the test.

  • Money Management Tools
  • Youth Certificate
  • Explorer Savings
  • Youth Checking

Financial Training Ground

Talking to your kids about money can be difficult. We help make it easy and fun with a number of free online financial learning resources.

They can learn about checking and savings basics, early budgeting fundamentals and money management skills.

Find your nearest branch or ATM

We’re part of the CO-OP ATM network! That means with us you’ll gain access to over 30,000 ATM locations nationwide. That’s more than most banks!
Wherever you roam, Horizon’s along for the ride.