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Teach your pre-teen the financial basics with a youth account that offers valuable first-hand experience.

Key Features

  • Competitive Dividends
  • Honor Roll Rewards
  • 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, 2022; Payout By: February 28, 2022

Spring Submission Deadline: June 30, 2021; Payout By: July 31, 2022 

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. Follow the instructions to participate. Restrictions may apply. Program terms and conditions are subject to change without notice. Insured by NCUA.

Gen Next Pet Picture Contest!

January 15th - March 15th

Share a picture of you and your fuzzy friend (or slimy, scary, creepy-crawly, feathered, whatever it may be!) with us to be entered in our Pet Picture Contest! One GenNext Club winner from each Alabama Teachers location will receive a $25 deposit!  All participants will receive a $5 deposit.  ATCU will also make a $50 donation to a local Humane Society or animal shelter in each winner’s name.

Hurry - contest ends March 15th!



Don't forget to include the Generation Next member's name!

Must meet membership requirements. One (1) entry per social security number. $25 required to open share account. Photograph becomes property of ATCU and submission grants publication in ATCU marketing materials. All entries will receive a $5 deposit by 4/15/2022, each winner will receive a $25 deposit. Local Humane Society or animal shelter must be approved by ATCU. Some restrictions may apply. The 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). Contact an ATCU representative for more details. Insured by NCUA.

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.

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