Current Rate: 2.01% APY* on balances up to $1,000.

It’s never too early to open a savings account for your children and teach them money management. Our Youth Savings Account is specially designed for our young members ages 0-17 years old, and our mascots Cash and Coin are always around to encourage our young members to establish good saving habits! We want to help our young members learn what it’s like to save for a special something or someone in their lives.

Youth Savings Accounts come with perks like:

• Newsletters with puzzles, activities, and chances to win awesome prizes
• Fun tips about money
• Free access to educational content - It's A Money Thing
  Check out It's A Money Thing Jr. at the bottom for our youngest members
• Email notifications for youth specials and events
• Your very own "Cash puppy" or "Coin kitty" stuffed animal
• And the best part is, no service fees

Please contact our member service department to open your new Youth Savings Account(s) today at 303.234.1700 | 800.279.3288 or stop by.

Use this calculator to estimate college savings

Youth Rewards Checking Account

Teach your children about money management in a safe way, with a Rewards Checking Account and you as a joint owner. This youth checking account allows young members to use their debit card for purchases like lunch at school or a trip to the mall as an opportunity to learn about spending and saving.

About Youth Checking Accounts:

• Designed for youth ages 12-17
• Utilize online banking to monitor activity and balance
• Receive text alerts for spending activity³ with Card Control
• Safe and easy way to teach money management
• Free debit card
• No monthly fees!

To open your New Youth Savings Account, please contact our member service department at 303.234.1700 | 800.279.3288.

Existing Youth Savings Account members can add a checking account with this online form:

Get Started

*APY = Annual Percentage Yield. 2.01% APY for first $1,000. The Youth Savings account is a two-tiered account where a higher rate of dividend is paid on the daily balance up to $1,000.00 and the standard Membership Savings rate (0.05% APY) on the daily balances over $1,000. Rates are current as of 03/01/2026. The Youth Savings account is available to minors from the age of 0 to 17 years. Only one Youth Savings account allowed per child. In the month following the account holder’s 18^th birthday, the Youth Savings account will change to a standard savings account, earning the Membership Savings rate at the time. Rates are subject to change at any time. Find our current rates on our rates page. Dividends will be calculated daily, compounded, and credited monthly. The dividend period begins the first calendar day of the month and ends the last calendar day of the month. An Initial Deposit and Minimum Balance of $5.00 is required to open and maintain a Youth Savings account. We recognize that protecting children’s identities and privacy online is important and that the responsibility rests with both the online industry and the parents. We may periodically offer an online link through our website to a children’s site, which conforms to the Children’s Online Privacy Protection Act of 1998. Federally Insured by NCUA.

¹ Open a new first time Youth Account with a minimum of a $5 deposit. Generate an automatic reoccurring monthly deposit in the first 60 days, must be at least $10, for a minimum of two consecutive months. Deposits need to remain in the account for at least the first 60 days before the $50 will be deposited into the Youth Account owner’s & Opening Member’s accounts, within 90 days of the account opening if qualifications are met. Promotional benefit is allowed only 1 time per member. 1099-INT will be issued to the new Youth Account. New Youth Accounts must be opened by June 30, 2026 to take part in this promotion. Cannot be combined with other offers. Credit Union of Denver reserves the right to withdraw this offer at any time without notice.

² For existing and new Youth Accounts, add or open a new first time Rewards Checking Account (age 12-17) by June 30, 2026, must be in good standing (not caused a loss to the credit union), and have a minimum of 10 debit card transactions over a period of the first 60 days, in order to receive the $100 deposit. The $100 deposit from C·U·D will be placed into the Youth Account owner’s account within 90 days of the account opening if qualifications are met. Fees incurred on the account can reduce earnings. Some restrictions may apply. Cannot be combined with other offers. Credit Union of Denver reserves the right to withdraw this offer at any time without notice.

³ Carrier message and data rates may apply.

Rates are current as of 03/01/2026

Cash and Coin are copyrighted images for Credit Union of Denver. Unauthorized use is strictly prohibited.