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Routing # 307075259
CASH the Border Collie sitting next to a piggy bank with coins.

Youth Savings & Checking Accounts

Creating Healthy Spending & Saving Habits For Our Young C·U·D Members

Youth Savings Account

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

It’s never too early to open a savings account for your children and teach them money management. Our Youth Savings Account is specially designed for our young members ages 0-17 years old, and our mascot Cash is always around to encourage our young members to establish good saving habits! We want to help our young members learn what it’s like to save for a special something or someone in their lives.

Youth Savings Accounts come with perks like:

  • Newsletters with puzzles, activities, and chances to win awesome prizes
  • Fun tips about money
  • Free access to educational content - It's A Money Thing
    Check out the It's A Money Thing Jr. at the bottom for our youngest members.
  • Email notifications for youth specials and events
  • Your very own "Cash puppy" stuffed animal
  • And the best part is, no service fees

Youth Account Limited Time Offer

90th Anniversary Special Youth Account Offer. Open Youth Savings & you both get $25 each! Plus earn 2.01%25 APY up to $1,000 balance & add a Rewards Checking Account & get an additional $90!

If you open a Youth Account before August 31st, 2021, both the Member and the Youth Account Owner, who meet the qualifications1, will each receive a $25 deposit into their accounts within the established time frame.

PLUS, we have added an additional opportunity for more money:
If the child (Ages 12-17) also signs up for a Free Interest Rewards or Cashback Rewards Checking Account, and meets the qualifications2, they will receive an additional $90!

This is a great opportunity to teach your teen about finances with their own Free Rewards Checking Account!

Please contact our member service department to open your new Youth Account(s) today at 303.239.1150 | 800.279.3288 or stop by.


Youth Rewards Checking Account

Teach your children about money management in a safe way, with a Rewards Checking Account with you as a joint owner. This youth checking account allows young members to use their debit card for purchases like lunch at school or a trip to the mall as an opportunity to learn about spending and saving.

About Youth Checking Accounts:

  • Designed for youth ages 12-17
  • Utilize online banking to monitor activity and balance
  • Receive free text or email Card Alerts for spending activity
  • Safe and easy way to teach money management
  • Free debit card
  • No monthly fees!

To open your New Youth Savings Account, please contact our member service department at 303.239.1150 | 800.279.3288.

Existing Youth Savings Account members can add a checking account with this online form -

Get Started

*APY = Annual Percentage Yield. 2.01% APY for first $1,000. The Youth Share 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 Prime Share rate (0.05% APY) on the daily balances over $1,000. Rates are current as of 08/01/2021. The Youth Share account is available to minors from the age of 0 to 17 years. Only one Youth Share account allowed per child. In the month following the account holder’s 18th birthday, the Youth Account will change to a standard savings account, earning the prime share 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 Share 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.

1 Open a Youth Account with a minimum of a $5 deposit. Generate an automatic reoccurring monthly deposit in the first 60 days, must be at least $10, for a minimum of two consecutive months. Deposits need to remain in the account for at least 60 days before the $25 will be deposited into the Youth Account owner’s & Opening Member’s accounts, if qualifications are met. Promotional benefit is allowed only 1 time per member. 1099-INT will be issued to the new Youth Account. C·U·D reserves the right to withdraw this offer at any time without notice.

2 Open a Free Rewards Checking Account (age 12-17), must be in good standing, and have a minimum of 6 debit card transactions over a period of the first 60 days, in order to receive the $90 deposit.

Rates are current as of 08/01/2021