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Kid and Teen Accounts: Milestones Made Simple

Whether you’re opening your child's first savings account, discussing good money habits, or helping your teen pay for college, SAFE offers accounts and valuable financial resources for each life milestone.

Check out our Kid, Teen, and Higher Education options below to start your child’s financial journey!

Teen Accounts
Your Teen's Financial Starter Kit
Teen Accounts
Your Teen's Financial Starter Kit

Freedom Checking Account

Smiling teen

A Freedom Checking account is a simple, stress-free option for teens who are just starting out on their financial journey. It also includes member and joint account holder access so that both parent and teen can have authorization within this account.

  • Debit Card
  • Direct Deposit
  • Digital Wallet

Learn More

Teen accounts must be opened in-branch. Schedule an appointment or find a branch to get started.

Smart Visa® Credit Card

Cat drives a car - crazy!

The secured Smart Credit Card is ideal for young members 18+ looking to open their first credit card, backed by funds on deposit at SAFE. Watch their credit score grow as they make small everyday purchases and pay their balance in full and on time monthly.

  • Tap to pay payment feature
  • Small $15 annual fee*
  • No balance transfer fee
  • Protection from unauthorized transactions

Learn More

Young Member Savings Account

A Young Member Savings account is a dividend-earning savings account for teens aged 13-17. This account becomes a Share Savings account automatically when your teen turns 18.

  • $5 minimum deposit to open an account

Learn More

Smiling teen with glasses

Special Purpose Share Savings Account

Is your teen saving for college or for their first car? The “You-Name-It” feature in the Special Purpose Share Savings account helps identify and track your teen’s specific savings goal. Each dollar saved gets them one step closer to that goal line!

  • $5 minimum deposit to open an account

Learn More

Add On Certificate

Smiling teen with curly hair

Open an Add On Certificate account so your teen can earn dividends on their savings over a 12-month term. This account offers a higher rate than a regular savings account and allows you to continuously add funds during the term, so you and your teen can watch their money multiply!

  • $25 minimum deposit to open an account
  • 12-month term
  • Additional deposits can be added continuously throughout the term
  • Automatic rollover to another Add On certificate after maturity

Learn More

Financial Education Tools

Gamify your teen's financial education...


Gamify your teen's financial education with the Zogo App! Earn pineapples with each module completed that you can exchange for prizes like Roblox© and Amazon® gift cards!

Download the App

Check out our newest eBook...

Budget Cents eBook

Ready to start your teen off on their financial journey but don't know where to begin? Check out our newest eBook for a look at the basics: from finance terminology to credit unions vs. banks, we've got your teen's back on those finance foundations they might not know just yet.

Download Now

SAFE blogs...


Let SAFE help you make those tricky money conversations easier. These blogs provide helpful topics about the value of money management.

Check out: It's Never Too Early to Take Control of your Finances

Fraud Series

This video series helps your teen identify and avoid scams like phishing and form jacking while online.

* Share Secured credit cards are secured by a pledge of specific funds held on deposit in a designated ​​​​​​​share account at SAFE Credit Union. APR is variable, currently , and accurate as of . Cash Advance Fee: Either $10 or 3% of the amount of each transfer, whichever is greater. No fee for cash advances taken at any SAFE ATM, through CALL-24 Phone Banking, or through SAFE Online Banking. Late Payment Fee: $15 or current minimum payment amount, whichever is less. Annual Fee: $15. Foreign Transaction Fee: 1% of each transaction in U.S. dollars. Rates, terms, and conditions subject to change.

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