Youth Accounts
Help your child or teen learn to save, spend and manage money with accounts designed for their age.
Youth Savings, Teen Checking and Youth Certificates must be opened at a TAPCO branch with a parent or legal guardian.
Youth Savings and Teen Checking
A savings account for children and teens ages 0 to 17.
A checking account for teens ages 13 to 17.
- $25 minimum opening deposit
- No monthly service charge
- Helps children and teens begin saving and managing money
- Can be paired with Teen Checking for eligible teens
- $5 minimum opening deposit
- No monthly service charge
- Instant-issue debit card
- Digital Banking and TAPCO mobile app access
- Digital Wallet (Apple Wallet & Google Wallet)
- Available to youth ages 0 to 17
- A parent or legal guardian must be a joint owner
- Must be opened at a TAPCO branch
- Available to teens ages 13 to 17
- A parent or legal guardian must be a joint owner
- A TAPCO Youth Savings account is required
- Must be opened at a TAPCO branch
Come visit your local TAPCO Credit Union branch! Use our branch location tool to find your nearest branch.
- Ages 0–17: Start with Youth Savings
- Ages 13–17: Youth Saving and Teen Checking
- Ages 0–17: Grow savings with a Youth Certificate
- Youth's Social Security number or ITIN
- Youth's date of birth
- $25 to establish the Youth Savings account
A parent, legal guardian, or adult over the age of 18 must be a joint owner on the youth's accounts.
Youth CDs
Grow their savings with a Youth CD, available to youth ages 0 to 17 with a parent or legal guardian as joint owner.
- 12-month term
- $250 minimum deposit
- Add funds during the term
- Higher dividend rate than Youth Savings
| Certificate Amount | Minimum Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|---|
| $250 and over | $250 | 3.40% | 3.45% |
Ready to open a Youth Account?
Stop by a local TAPCO Credit Union branch and open your Youth Savings and Teen Checking account today.
1To receive the 10% discount on a zoo membership purchase, mention the TAPCO Member discount before your purchase at the zoo's front gate and show your TAPCO debit/credit card or other proof of TAPCO membership. Only one discount per membership purchased. Discounts are not valid on prior purchases. The discount is available for membership purchased at the zoo entrance gate. Not available for online purchases.