Youth Accounts

Because they’re never too young to make smart money moves.

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Competitive Rates
Our great rates mean your kids’ balances will grow right along with them.
No Minimums + No Fees
Those are no fun! We want to encourage saving habits so we’ve removed the fees and minimum balances.
Online and Mobile Banking Access
Parents can access accounts online and in the app. Plus, you have the ability to set up automatic or make one-time transfers from your account.

Best if you want:

Best if you want:
Minimum Deposit

Minimum Deposit
Dividends

Dividends
Fun Extras

Fun Extras
Eligibility

Eligibility
Federally Insured by NCUA

Federally Insured by NCUA

All Star Savers

Best if you want:

A perfect first savings account to teach good habits¹
Minimum Deposit

$5
Dividends

0.50% APY²
Fun Extras

Earn Milestone Rewards: $10 when the balance reaches $100 and another $10 when the balance reaches $500
Eligibility

Kids 18 and under are eligible
Federally Insured by NCUA

Christmas Club

Best if you want:

Your child will learn about the power of saving for a specific goal (like toys)!
Minimum Deposit

$5
Dividends

0.10% APY²
Fun Extras

Funds automatically transfer⁴ into Regular Share Account on November 1.
Eligibility

All Telco members are eligible
Federally Insured by NCUA

Student Checking

Best if you want:

A checking account designed specifically for students
Minimum Deposit

$5
Dividends

0.50% APY² on balances up to $10,000
Fun Extras

Optional daily spending limits for parental peace-of-mind.
Eligibility

Designed for members 13-24
Federally Insured by NCUA

Certificates

Best if you want:

To teach your child about investing and earning interest
Minimum Deposit

$500
Dividends

Varies, As High As 2.70% APY³
Fun Extras

Kids will learn patience when it comes to saving and investing, and will love the excitement of watching their balance grow.
Eligibility

All Telco members are eligible
Federally Insured by NCUA

Get Started

I really enjoy my experience with Telco. Very friendly people to work with and they are a lot of help, which is great because I’m a college student! Thank you, Telco!

Micah C., Credit Union Member since 2017

Upon the Minor’s 18th birthday, the All-Star Savers account will be closed and all funds will be transferred into the Regular Share savings account.

Upon (or shortly thereafter) the Primary Owner (Minor)’s 24th birthday, the Student Checking account will be converted to the Premier Interest Checking account product type.

The optional limits are a $300 daily spending limit and $100 daily ATM limit.

See all Checking and Savings Account FAQs

Open your Youth Account today

Disclosures

¹ Must have a parent or legal guardian who is a Baton Rouge Telco member on the account.
² APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Minimum opening balance of $5.
³ APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Baton Rouge Telco Federal Credit Union share certificate rates are variable rate accounts and are subject to change at any time. Rates are not guaranteed. Penalties for early withdrawals may apply.
⁴ $5 fee for early withdrawal.