Start Smart. Build Strong Money Habits.
CUOne minor accounts help young members learn to save, spend, and manage money while building financial habits that can last well beyond their teen years.
SmartSaver Savings
For young members from birth through age 17, with rewards designed to make saving more exciting.
SavvySpender Checking
For teens ages 13 through 17 who are ready to learn how to manage checking, a debit card, and everyday spending.
SmartSaver Savings
Saving gets more rewarding.
Help young members build the habit of saving from the very beginning.
SmartSaver Savings is designed for young members from birth through age 17, with special rewards that encourage saving and help make watching an account grow more exciting.
- Minimum $5 deposit to open
- Available from birth through age 17
- 3.00% dividend rate / 3.04% APY* on qualifying balances
- Opening deposit match up to $25
- Annual birthday deposit equal to the minor's age
- Automatic entry into a monthly $25 drawing when at least $25 is deposited during the month
Annual Percentage Yield 3.04%
APY* on qualifying balances.
3.00% dividend rate.
Opening Deposit Match
CUOne will match the opening deposit up to $25 to help young savers get started.
Birthday Deposit
Each year, CUOne deposits an amount equal to the young member's age into the account.
Monthly Savings Drawing
Deposit at least $25 during the month for automatic entry into a monthly $25 drawing.
Build the Savings Habit
A dedicated savings account helps young members set goals, watch balances grow, and learn the value of saving regularly.
SavvySpender Checking
Learn to spend smarter.
Real-world checking experience designed for teens ages 13 through 17.
SavvySpender Checking gives teens an opportunity to manage a checking account, use a debit card, monitor spending, and build responsible money habits with the support of a joint adult owner.
- Available for teens ages 13 through 17
- 3.00% dividend rate / 3.04% APY* on qualifying balances
- Contactless Visa® Debit Card
- Automatic enrollment in My Rewards+
- Earn 2,500 bonus points after completing at least five debit card purchases within the first 45 days
- Converts to a regular checking account when the member turns 18
Annual Percentage Yield 3.04%
APY* on qualifying balances.
3.00% dividend rate.
Growing With Their Money Skills
CUOne minor accounts are designed to grow with young members as they move from saving to managing everyday spending.
Ages 0-12
Start Saving
SmartSaver Savings helps establish the habit of saving early.
Ages 13-17
Save + Spend
Continue SmartSaver Savings and add SavvySpender Checking for real-world money management experience.
Age 18+
Next Step
SavvySpender transitions to a regular checking account when the member turns 18.
Joint Owner Required
Minor accounts must be jointly owned by someone age 18 or older. The joint owner can help guide the young member as they learn to save, spend, and manage their account.
Money Skills Start Here
CUOne gives young members access to tools that can help them understand their money and build responsible financial habits.
- CUOne Mobile and Online Banking
- eStatements
- Account balance and transaction access
- MoneyMovement Personal Finance Manager
- Goal-based saving experience
- Real-world money management skills
*APY = Annual Percentage Yield. The current dividend rate is 3.00% with an Annual Percentage Yield of 3.041% on qualifying SmartSaver Savings and SavvySpender Checking balances. Rates and Annual Percentage Yields are subject to change. See the current Truth in Savings Disclosure and Share Rates for complete rate information, balance requirements, and account terms.
SmartSaver Savings is available to minor members through age 17. SavvySpender Checking is available to minor members ages 13 through 17 and converts to a regular checking account when the member turns 18. Minor accounts require a joint owner age 18 or older.
SmartSaver promotional benefits, including the opening deposit match, birthday deposit, and monthly savings drawing, are subject to applicable account terms and eligibility requirements. My Rewards+ and SavvySpender bonus-point offers are subject to program terms. See CUOne account disclosures for complete details.