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Teen Checking & Savings
Smart accounts for teens ready to save, spend, and start building financial independence.
Control Your Cash with a Teen Savings Account
Start strong with real savings, real interest, and real independence for as little as $5.
How it works:
Ready to open your account? Have your Social Security number, student ID (if you have one), phone, and email—plus a parent or guardian—and visit any branch to get started. Your future self will thank you.
Level Up with a Teen Checking Account
It's never too early to start taking the next step towards owning your financial future. Available for members ages 13 - 17.
How it works:
Visit any of our branches with a parent or guardian to open your account.
Teen Savings
Effective Date: 9/25/2026
| Minimum Balance | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $5-$1,000 | 4.89% | 5.00% | $5 |
| $1,000+ | 0.05% | 0.05% | $1,000+ |
*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
i$ave Certificate of Deposit (CD)
Grow your child's savings the smart way—with guaranteed returns and just $100 to start.
How it works:
Ready to open an i$ave CD for your child? Bring your child and their Social Security number to any HRCU branch to open a certificate today.
i$ave Certificate of Deposit (CD)
Effective Date: 9/25/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $100 ($10,000 maximum) | 1.34% | 1.35% | $100 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
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