Youth Accounts | HAR-CO Credit Union

Youth Accounts

We have Youth Accounts Covered!

Kids Ages 0-19: Save, earn rewards, and watch your money grow.

Open Your Account for Free!

CLICK HERE to Print Our Money Saving Coupon

Starter Savings Account

Pre-School – Elementary School Students Ages 0-11

When kids open their starter savings account, they will receive a package of fun information that reinforces the saving and spending principles of managing money. 

To encourage children to save regularly, each time they make a deposit they will be given a reward for being such a good saver.

 


Smart Cent$: Money in the Middle

Youth Accounts for Middle School Students Ages 12-15

Join Har-co Credit Union in continuing to educate our youth members about financial responsibility by opening a Smart Cent$ Account. This account is available to students, ages 12-15. Your middle school student will benefit from this account by continuing to be rewarded for deposits to the account. They will receive practice checkbooks and account registers to prepare for a checking account later in life, and have an opportunity to watch their money grow in a special Certificate of Deposit designed just for them. This account will be fun and educational at the same time!

Smart Cent$ CD Rate

This six month Certificate of Deposit has a 5.00% Rate, 5.12% APY*. $100.00 minimum, $1,000.00 maximum to earn APY.

Reward for Deposits

Quarterly savers are eligible for a $10 gift card to Amazon.com® with a minimum deposit of $25.00 into the Smart Cent$ Savings Account for that quarter. Gift card is received by student when deposit is made in any Har-co office.

 


Independence Account

Youth Accounts for High School Students Ages 16-19

Join Har-co Credit Union in continuing to educate young ladies and gentlemen about financial responsibility by opening an Independence Account. This account is a continuation from our Starter Savings Account and our Smart Cent$ program and is available to high school students ages 16-19. Your high school student will benefit from this account by continued education with checking accounts as they prepare to be on their own. High School students will have an opportunity to watch their money grow in a special Certificate of Deposit designed just for them.

Free Full Service Checking Account

Your student will be eligible for a Free Full Service Checking Account with Har-co. Students under the age of 18 will require a parent/guardian as joint on the checking account.

Independence CD Rate

This six month Certificate of Deposit has a 5.00% Rate, 5.12% APY*. $100.00 minimum, $1,000.00 maximum to earn APY.

 


Opening an Account

To open a youth account, just stop by any of our three locations with:

  • Child’s Social Security Number
  • Parent/Guardian Valid Photo Identification
  • Initial Deposit of $5.00

*One CD per member. APY=Annual Percentage Yield. 6 month fixed rate term ($100 minimum, $1,000 maximum to earn APY). Rate effective as of 3/1/2021. Rates are subject to change without notice. Dividends deposited directly into CD. Fees may reduce earnings. Penalties apply for early withdrawal. Consult a tax advisor for cash equivalent reward. Ask for complete details.

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