HRCU Youth Accounts

Start your financial journey with our Kids Savings Account. 

We provide a secure, rewarding platform for kids to watch their savings grow, learn responsibility, and build a financial foundation for the future. Available for kids ages 0 - 12 years old.

• Simple and Accessible: Open an account with just $5.00.
• Interest and Growth: Earn monthly dividends and watch the account grow.
• Safe and Secure: Monitor your child's account with our online banking platform.
• Rewarding Good Habits: When your child makes a deposit in-branch, they'll walk away with a prize and better saving habits.

Bring your child with their Social Security number to open a Kids Savings account at your local branch today.

     Get Started

Ready for the next step? Open a Teen Savings Account to control your cash!

Get a taste of real financial independence when you open a Teen Savings account, for members ages 13 - 17.

• Earn Interest: Watch your savings grow the smart way, by earning interest over time. 
• Learn As You Go: Discover the ins and outs of banking with an account designed for you to manage your money.
• Safety Net Included: Enjoy the perks of independence while knowing your money's protected. 
• Level Up Your Account: Take the next step and open a Teen Checking Account with no monthly fees. 

Visit us at a branch location with your parent or guardian and your Social Security number to open your account. 

     Visit Us

Open a Kids or Teen savings account and we'll spot you the first $5 in your account!*

*Offer valid for one (1) $5 deposit per youth savings account and teen savings account opened between May 1, 2025 – November 30, 2025. Coupon must be presented at account opening to be considered valid. Youth savings accounts are available for ages 12 and under. Teen savings is available for ages 13-17. Minor must be accompanied by parent or legal guardian to establish new account. HRCU membership eligibility required. Cannot be combined with other offers. Deposit will be made directly into new account within 30 days of account opening. Offer expires at HRCU’s close of business on September 30, 2025.