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Free Youth Checking
Free Youth Checking
Free Youth Checking Is a Special Account for Teens Who Are Just Getting Started.
Help your teen learn financial responsibility with our Free Youth Checking account. Designed specifically for young people, this account offers all the benefits of free checking to help teens manage their money effectively and build good banking habits.
Monthly Fees No FeeOpen an Account With as Little as $25Account Open to Members Age 13 - 17Access to Your Direct Deposit Up to 2 Day EarlyAccount Features
No Monthly Service Charge
Get started with your account, with no requirements and no monthly service charges.
CO-Op Shared Branching Network
More than 5,600 Branch locations and 30,000 fee-free ATMS with the CO-OP Shared Branching Network.
Early Direct Deposit Access
Receive your Direct Deposit up to two days earlier than traditional banking processes.
Bank on Any Device
Receive account notifications, manage funds, transfer between accounts and more, on every device.
Free eStatements
Receive monthly statements electronically and save an electronic copy for your records. Review up to 24 months of statements online once enrolled.
Visa® Debit Card
Spend conveniently with a free debit card that’s accepted almost everywhere.
Youth Savings Challenge
Earn Your Money Challenge
This teen-focused budgeting challenge allows teenagers to earn their own money over a week or month while learning how to manage it responsibly. Through part-time jobs or side work like babysitting, yard work, or tutoring, teens gain real-world experience in valuing their time, setting pay expectations, and tracking their income.
They’re also introduced to everyday expenses, helping them balance their earnings with their spending. With regular check-ins and a final decision on how to use their money, whether spending, saving, or both, teens build independence, confidence, and practical financial skills that set them up for future success.
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Youth High Interest Savings
Youth High Interest Savings
Unlock Your Youths High Interest Savings
Our Youth High Interest Savings Account is a great tool to instill good savings habits and provide a platform for financial growth and education. It offers young savers an opportunity to earn competitive interest rates while learning the importance of saving and managing their finances.
Earn Interest 3% APY on your first $1,000Monthly Fee NoneMinimum Balance Requirement Not At AllAccount Open to Members Age 0 - 17Account Features
Start Your Own Savings
Have your very own account
Earn Dividends
Earn 3% APY on your first $1,000 and competitive dividends on your remaining balances.
From Age 0 – 17
Once you turn 18, your account will automatically convert to the High Interest Savings account
Youth Savings Challenges
For Ages 5-11: Busy Bee Budgeting
The Busy Bee Budgeting Challenge is a month-long, hands-on activity for children that teaches the basics of earning, saving, and spending money. Kids complete small tasks to earn money and track their progress using a fun visual chart, while learning to divide their earnings into three categories—Spend, Save, and Share.
Along the way, they practice real-world skills like setting goals, estimating costs, and making thoughtful financial choices. By the end of the challenge, children will gain confidence and build strong early money habits in an exciting and rewarding way.
Busy Bee Visual Budgeting Chart
For Ages 12-17: Earn Your Money Challenge
This teen-focused budgeting challenge allows teenagers to earn their own money over a week or month while learning how to manage it responsibly. Through part-time jobs or side work like babysitting, yard work, or tutoring, teens gain real-world experience in valuing their time, setting pay expectations, and tracking their income.
They’re also introduced to everyday expenses, helping them balance their earnings with their spending. With regular check-ins and a final decision on how to use their money, whether spending, saving, or both, teens build independence, confidence, and practical financial skills that set them up for future success.
Earn Your Money Challenge Instructions
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Cuga Kid's Club
Cuga Kid's Club
Because Saving Should Be FUN!
A great way to teach your child the value of saving! Kids can participate in fun activities and earn special Cuga Kid's Club Dollars that they can redeem for prizes!
Saving Incentives Earn Cuga Bucks & Get Cool PrizesAge Range 0-13Open An Account With Only $10How to Earn Cuga Kid’s Club Dollars
Earn One Cuga Kid’s Club Dollar
- Deposit $5 or More
- Earn A’s, 3’s, or S’s in Behavior
- Celebrate a Birthday
Earn Two Cuga Kid’s Club Dollars
- Participate in a Credit Union of Georgia Activity
- Recruit a Friend or Family Member to Join the Credit Union
Redeem Cash for Cool Prizes
The more cash your child earns, the better the prizes! This encourages children to develop good savings habits by rewarding their efforts with exciting incentives.
- 3 Cuga Cash Dollars = Level 1 Gift Choice
- 6 Cuga Cash Dollars = Level 2 Gift Choice
- 9 Cuga Cash Dollars = Level 3 Gift Choice
Youth Savings Challenge
Busy Bee Budgeting
The Busy Bee Budgeting Challenge is a month-long, hands-on activity for children that teaches the basics of earning, saving, and spending money. Kids complete small tasks to earn money and track their progress using a fun visual chart, while learning to divide their earnings into three categories—Spend, Save, and Share.
Along the way, they practice real-world skills like setting goals, estimating costs, and making thoughtful financial choices. By the end of the challenge, children will gain confidence and build strong early money habits in an exciting and rewarding way.
Busy Bee Visual Budgeting Chart
Cuga Kid’s Club Resources
Free Apps for Kids
Free Color Sheets
Parent Resources
Access to 30,000 fee-free ATMs nationwide and 5,000 shared branches
Great experience! It was very easy to open an account. Everyone was very helpful, friendly and knowledgeable.
