Money smarts start early at Credit Union of America (CUA). Set your child up for long-term financial success with a Youth Core Checking Account to complement their Youth Savings Account.

Open a Youth Core Checking Account for your child aged 14 years and up.  If the child is under age 16, a parent or guardian must co-own the account.

 

---

Youth Core Account Benefits

• High Interest—Earn competitive interest rates on your deposited funds above $1,000.¹
• Digital Banking—Let them manage their finances online and via the mobile app.
• Convenient Branches—Banking services are located conveniently near your home.  
• Federally Insured—All deposits with Credit Union of America are insured by the National Credit Union Administration (NCUA) for up to $250,000.

---

Youth Core Account Details

 

Ready to give your child the gift of financial responsibility? A CUA Youth Core Checking Account will help set them on the road to long-term success. Click below to get started!

---

 

Core Account $100 Minimum to Open

Balance Range*	Nominal Rate/APY**
$1,000.00 to $4,999.99	0.05% / 0.05%
$5,000.00 to $9,999.99	0.10% / 0.10%
$10,000.00 or more	0.15% / 0.15%

* Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield

¹ Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

² EarlyPay direct deposits ACH funds into your deposit accounts up to two days early depending on the timing of the submission of the payment from the payer. Funds availability may be affected by holidays and weekends. 

³ We will not charge a fee for foreign ATM usage. A surcharge may apply from the ATM owner.

---

Application Process

1. Apply: Complete the online application or visit a branch near you to open a Youth Core Checking Account on behalf of your child of 14 years or older.

2. Fund your account: Make an initial deposit of $100 to get started.

3. Start spending: Enjoy great benefits like no-fee banking, competitive interest rates, mobile banking tools, and (for youths aged 16 and older) worldwide ATM access.

---

Why Join Credit Union of America?

Hey, Wichita! Looking for a financial institution that puts your interests first? Open an account with Credit Union of America and benefit from our great rates, service, and products.

At Credit Union of America, you come first. Our not-for-profit structure means earnings return to members through better rates and lower fees. Joining our financial family lets you enjoy great features like nationwide ATM access, award-winning online banking, and competitive lending.