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Youth Savings & Checking Accounts

Helping Our Young Members Build Healthy Saving & Spending Habits

Our Youth Savings and Youth Rewards Checking Accounts are designed especially for our young C·U·D members, with tools, encouragement, and a little fun along the way.

Youth Savings Account

Current Rate: 2.01% APY* on balances up to $1,000

It’s never too early to start building good money habits. Our Youth Savings Account is made just for kids and teens ages 0–17, giving them a safe, simple way to save for something special, whether that’s a favorite toy, a gift for someone they love, or their future goals.

Youth Savings Account perks include:

  • Fun newsletters with puzzles, activities, and chances to win monetary incentives!
  • Easy-to-understand tips that helps money make sense
  • Free access to educational content through It’s A Money Thing®
  • It’s A Money Thing® Jr. resources for our youngest savers
  • Email updates about youth-only specials and events
  • Receive a cuddly Cash puppy or Coin kitty stuffed animal at account opening
  • No service fees—ever

Ready to get started?

Contact our Member Service team at 303.234.1700 | 800.279.3288 or stop by a branch to open a Youth Savings Account today.

Use our calculator to estimate college savings

Save for College Calculator

Youth Checking Accounts

  • Designed for youth ages 12–17
  • Easy digital banking so you can both monitor balances and activity together
  • Text alerts for spending activity with Card Control³
  • A safe, supportive way to learn money management
  • Free debit card
  • No monthly account fees

As kids get older, a checking account can be a great next step. Our Youth Rewards Checking Account helps teens learn how to manage money responsibly, with an adult joint owner for peace of mind.

From buying lunch at school to hanging out at the mall, everyday purchases become real-life learning moments about spending, saving, and budgeting.

To open a new Youth Savings or Youth Rewards Checking Account, contact our Member Service team at 303.234.1700 | 800.279.3288.

Already have a Youth Savings Account? Easily add a checking account online.

Get Started

Disclosures

*APY = Annual Percentage Yield. APY is the yearly return you can expect to earn on your savings, including the benefit of compounding interest.
2.01% APY for first $1,000. The Youth Savings account is a two-tiered account where a higher rate of dividend is paid on the daily balance up to $1,000.00 and the standard Membership Savings rate (0.05% APY) on the daily balances over $1,000. Rates are current as of 09/01/2026. The Youth Savings account is available to minors from the age of 0 to 17 years. Only one Youth Savings account allowed per child. In the month following the account holder’s 18th birthday, the Youth Savings account will change to a standard savings account, earning the Membership Savings rate at the time. Rates are subject to change at any time. Find our current rates on our rates page. Dividends will be calculated daily, compounded, and credited monthly. The dividend period begins the first calendar day of the month and ends the last calendar day of the month. An Initial Deposit and Minimum Balance of $5.00 is required to open and maintain a Youth Savings account. We recognize that protecting children’s identities and privacy online is important and that the responsibility rests with both the online industry and the parents. We may periodically offer an online link through our website to a children’s site, which conforms to the Children’s Online Privacy Protection Act of 1998. Federally Insured by NCUA.

3 Carrier message and data rates may apply.

Rates are current as of 09/01/2026.

Cash and Coin are copyrighted images for Credit Union of Denver. Unauthorized use is strictly prohibited.