Teach your pre-teen the financial basics with a youth account that offers valuable first-hand experience.
Key Features
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Competitive Dividends
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Honor Roll Rewards
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No Monthly Service Fees
- Free youth savings account gets them in the habit of saving
- Available for young savers ages 8 to 12
- Approved adult joint account owner required1
- Earn dividends with a minimum balance of $5,000.01
- No monthly service fees
- Unlimited free withdrawals
- Includes free perks:
- Reduced $300 minimum deposit to open a Term Share Certificate
- Cool quarterly promotions
- Fun contests and activities
- Take home prizes when you make deposits
- Special birthday cards
- Federally insured by NCUA up to $250,000
- $25 minimum deposit to open
We believe that hard work should pay off. Students receive $10 per report card, per term.
Fall Submission Deadline: January 31, 2023; Payout By: February 28, 2023
Spring Submission Deadline: June 30, 2023; Payout By: July 31, 2023
Learn more about this program.
Must be a youth club member (Savasaurus, Generation Next, or Synced) to receive Honor Roll Rewards. Members under the age of sixteen (16) are required to have a parent, grandparent, legal guardian, or other approved joint account owner to open a new youth club account or add services on an existing youth club account. The par value of a membership share, which is twenty-five dollars ($25.00), must be maintained in order to retain membership. UTMA (Uniform Transfer to Minors Act) accounts qualify for Honor Roll Rewards for members up to the age of nineteen (19); however, the transactions will be subject to the Uniform Transfers to Minors Act of Alabama. One (1) reward per tax identification number, per term only. ATCU will pay ten ($10) dollars per report card, per term made in either the Fall term or the Spring term for 2022-2023 school year only. No rewards for any other grades will be given. Maximum payout for each term will not exceed ten ($10) dollars, or twenty ($20) dollars per year. Report cards must be received by January 31, 2023 for Fall term and June 30, 2023 for Spring term. Deposits for rewards will be made to share accounts only. Rewards for Fall grades will be paid no later than February 28, 2023; rewards for Spring grade rewards will be paid no later than July 31, 2023. Report cards will no longer be accepted in office or via email. Instructions for submitting report cards can be located at atcu.com. Report cards are required to be a copy of an actual report card or verifiable by school or home school organization insignia. No exceptions will be made. No handwritten grades will be accepted. Some restrictions may apply. Contact an ATCU employee for more details. Federally insured by the NCUA.
Hey, GenNext Youth Club Members!
Share your picture-perfect summer with us for a chance to win Apple AirPods® and other essential summer goodies! Drop your picture off at any ATCU branch location or send by mail by August 15th to be entered in our Summer Snapshot Contest! Be sure to include your name.
1The youth club member is permitted to open new services on the account and facilitate transactions without being accompanied by an adult joint account owner beginning at the age of thirteen (13).
Children's Online Information Privacy: We recognize that protecting children's identities and privacy online is important. Alabama Teachers does not solicit or collect individually identifiable information on visits to the youth accounts section of our website without parental consent and do not knowingly solicit or collect individually identifiable information from children on any other area of our site.