Youth Accounts

Preparing the next generation for financial success is priceless. That’s why we believe in helping kids and teens learn healthy financial habits. Our Stones Youth Account Program offers flexibility and freedom, all at a fitting age level.

Stepping Stone — Younger Kids

• Savings

  During these formative years, we can help kids learn positive money habits early with their first-ever Savings account.

  • Kids enjoy getting rewarded with a prize from the Treasure Chest each time they make a deposit at a Member Center!
  • Get Rates!
• My Save Certificate®

  Looking to put money aside for their first phone, car, or college tuition? With this special type of Certificate, you can start saving with just $5 — all while earning a higher rate.

• Free Financial Education & Fun

  Printable coloring page

  We offer resources on important topics like:

  • Where to save
  • Why we save
  • Understanding wants vs. needs

  Make an Appointment

Milestone — Older Kids

• Savings

  Get started with a Savings account, then with the help from your guardian, design your own personal financial set up. With a range of accounts, saving and spending with us is easy!

  • Get Rates!
• Checking
  • No monthly fee
  • No minimum balance requirement

  Plus — with free CEFCU Debit Mastercard®, enjoy benefits like, Zero Liability ^{Footnote 1}, and access to over 30,000 surcharge-free Co-op® ATMs. Minors 12 and older can apply for a CEFCU Debit Mastercard if a parent or legal guardian is a joint member on the account.

• My Use Account

  Saving for something special or learning how to budget? Open My Use Accounts (and give them a special name) to help keep you on track.

  Make an Appointment

Capstone — Teens

• Savings

  First — become a member with a Savings account, then you can start establishing other accounts and services with us.

• Checking
  • No monthly fee
  • No minimum balance requirement

  Plus, with a free CEFCU Debit Mastercard, enjoy benefits like, Zero Liability ^{Footnote 1}, ID Theft Resolution, and access to over 30,000 surcharge-free Co-op® ATMs. Minors 12 and older can apply for a CEFCU Debit Mastercard if a parent or legal guardian is a joint member on the account.

• Digital Wallets

  Never leave your Debit Card behind again! Adding your card digitally to your device is safe and secure. Use your digital wallet in store or online and enjoy a faster check-out experience.

We are committed to helping your kids and teens excel at their own bright futures, whatever that may be!

• Make an appointment
• Stop by your closest Member Center
• Or, give us a call 1.800.542.3328

Learn More

Debit Mastercard Digital Wallet

1. Pay only for purchases which you have authorized on your CEFCU Debit Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details.