Youth Accounts

We have Youth Accounts Covered!

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

Open your account for FREE!

 

Looney Tunes Savings Club

Youth Accounts for Pre-School through Elementary School Students Ages 0-12

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

  • Official Club I.D. Card
  • Junior Piggy Bank or Quarter Tube
  • Deposit Slip with Bugs Bunny
  • Withdrawal Slips with the Tasmanian Devil
  • Looney Tunes Organizer
  • Looney Tunes Pencil
  • Account Register

To encourage children to save regularly, each time they make a deposit they will be given a reward for being such a good saver. To open a youth account, just stop by any of our three locations with:

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

When a child ages out of a youth account category: Looney Tunes (age 12 and under), Smart Cent$ (ages 12-15) and Independence (Ages 16-19) the account will automatically be changed to the next appropriate account after 60 days.

*One CD per account. 18 months maximum. APY=Annual Percentage Yield. Dividends deposited directly into CD. Penalties apply for early withdrawal. Rates current as of 2/1/18.

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 a continuation from our Looney Tunes Savings Club and 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!

Initial Deposit of $5.00 Opens a Smart Cent$ Savings Account

If student already has a Looney Tunes account, they will automatically be enrolled to the Smart Cent$ savings account. If this is a new account for the student, please bring student’s social security number and parent/guardian state/government ID.

Practice Checkbook and Account Registers

Your student will be given a practice checkbook and account register to start learning the practices of managing money.

Smart Cent$ CD Rate

This six month Certificate of Deposit has a 5.00% Rate, 5.12% APY*. $100.00 minimum to open, $500.00 maximum and may be renewed for a maximum of 3 terms = 18 months.*

Reward for Deposits

Quarterly savers are eligible for a $10 gift card to iTunes® or 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.

When a child ages out of a youth account category: Looney Tunes (age 12 and under), Smart Cent$ (ages 13-15) and Independence (Ages 16-19) the account will automatically be changed to the next appropriate account after 60 days. *One CD per account. 18 months maximum.

APY=Annual Percentage Yield. Dividends deposited directly into CD. Penalties apply for early withdrawal. Rates current as of 2/1/18.

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 Looney Tunes and Smart Cent$ programs 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. Initial deposit of $5.00 opens an Independence Savings Account. If student already has a Smart Cent$ Account, we can automatically enroll to an Independence account. If this is a new account for the student, please bring student’s social security number and parent/guardian state/government ID.

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 CD has a 5.00% Rate, 5.12% APY*. $100.00 minimum to open, $1,000.00 maximum and may be renewed for a maximum of 3 terms = 18 months.* Reward for Deposits Every student that opens an Independence Checking account will receive a $20.00 VISA® gift card at account opening. Consult a tax advisor for cash equivalent reward.

When a child ages out of a youth account category: Looney Tunes (age 12 and under), Smart Cent$ (ages 12-15) and Independence (Ages 16-19) the account will automatically be changed to the next appropriate account after 60 days.

*One CD per account. 18 months maximum. APY=Annual Percentage Yield. Dividends deposited directly into CD. Penalties apply for early withdrawal. Rates current as of 2/1/18.

CLICK HERE to Download and Print Our Money Saving Coupon and Open Your Youth Account for FREE!

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