Empowering Teens Savings
Start earning a
3.04%
APY*
dividend rate
Empower Your Teen's Future
Encourage financial independence with a savings account for teens ages 14-17. Learn smart money habits and budgeting while gaining early access to financial tools. Plus, with parental joint approval, teens as young as 14 may qualify for a checking account and debit card.
Account Details
Qualifications
-
Membership eligibility
-
$5 minimum balance to open (one credit union share)
- Age 14-17 (at 18, balance is transferred to a Shares Savings)
- For ages 14-15, a parent or guardian must be added as a joint account holder; for ages 16 and older, this is optional.
Features
Fees
- Earns 3.04% APY on the first $1,000 deposited
- No balance requirement
- New and existing members can get a FREE Unison Digital Bank
-
At age 14, members may qualify for a checking account and debit card with a joint parent account.
- Club events and giveaways throughout the year
- Dividends earned daily
- Dividends paid monthly
- Monthly statement with checking and electronic transaction
- Quarterly statement, if monthly statement isn’t given
- Unlimited transfers and withdrawals in person, at an ATM or by mail
- 24/7 account access:
- None
View Current Rates
Effective Date:Saving Account Options
|
Account Type
|
Required Opening Deposit
|
Minimum Daily Balance to Avoid Fee | Minimum Daily Balance to Earn APY |
Dividend Rate / APY*
|
|---|---|---|---|---|
| Share Savings | $5 | $0 | $0 | 0.10% / 0.10% |
| Sub-Share Savings | $0 | $0 | $0 | 0.10% / 0.10% |
| Property Tax Savings | $0 | $0 | $0 | 0.10% / 0.10% |
| Empowering Kids Savings** | $5 | $0 | $0 | 3.00% / 3.04% |
| Empowering Teens Savings** | $5 | $0 | $0 | 3.00% / 3.04% |
| Health Savings | $0 | $0 | $0 | 1.50% / 1.51% |
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Empowering Kids Savings or Empowering Teens Savings is $5 (one share). **3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.
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*3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.