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Youth Accounts

Teach Them Young. Youth Accounts for Every Age.

Investing in the future of our youth is essential. Teaching them the importance of financial management and budgeting can be challenging, but with MSDFCU, you can start them towards a healthy and responsible relationship with money.

Newborn Account 

AGE: 0-1

Congratulations on your new addition! Many things, including your financial concerns, change fast when a child enters your life.

Benefits

We’ll celebrate the birth of a child by funding their first $5 when you open the account.

Requirements 
  • Social Security Number
  • $5 minimum balance is required to Open (we provide the first $5)

Dollar Dog Kids Club®

Age: 1-12
Give your kids a financial head start. Enroll them in our Dollar Dog Kids Club®. They will learn the value of saving while having fun.

Benefits 

  • A gift from the fun chest when making a deposit
  • A Dollar Dog Membership Card
  • Games & Contests
  • Dollar Dog Kids Club website 
  • Dollar Dog Quarterly Newsletter
  • Earn $1 for every final grade of A (or equivalent) through the Report Card Rewards program, up to $5 per year during the school year earned.
Requirements
  • $5 minimum balance is required to open a Dollar Dog Kids Club® Account, and no service charges
  • Accounts with $50 or more earn monthly dividends
  • Parents can link their accounts to their child’s account
  • At age 13, the account automatically upgrades to a CU Edge Account

CU Edge Account

Age: 13-17
Jumpstart your teen’s savings, especially as they approach driving age and first jobs. We will help them learn to budget and save for important milestones in life.

Benefits 

  • VISA® Debit Card (With parent as a joint applicant on the account)
  • Eligible for Online Banking
  • Elements of Money website
  • Earn dividends
  • Quarterly newsletters
  • Invites to special events and promotions.
  • Earn $1 for every final grade of A (or equivalent) through the Report Card Rewards program, up to $5 per year during the school year earned.
    Requirements
    • $5 minimum balance is required to open a CU Edge Account and no service charges
    • At age 18, the account automatically upgrades to a share savings account

    More than just accounts, additional Youth Services.

    CU Edge University

    If you are one of the Credit Union's many teenage members and want to learn more about the fundamentals of finance, then consider registering for our teen financial literacy course at CU Edge University.

    This two-part, all-virtual program is being offered to all teenage members who have a Savings Account with us. Teens who complete the two exams receive a $25 MSDFCU Visa Gift Card for their participation.

    CU Student Choice 

    For higher education help and college loans.

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    A parent or legal guardian must open youth accounts, and the parent/guardian is required to be a joint owner of the youth account. Proof of parent/guardianship is required to fully open membership. A valid Social Security Number is required for the child.