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With a free debit card1 and digital banking, your teen will learn the ropes of financial independence in no time.

Key Features

  • Competitive Dividends
  • Honor Roll Rewards
  • No Monthly Service Fees
  • Free savings account reinforces good financial habits
  • Available for young savers ages 13 to 191
  • Earn dividends with a minimum balance of $5,000.01
  • No monthly service fees
  • Unlimited free withdrawals
  • Includes free perks: 
    • Up to $10 in ATM fee refunds per month1
    • Reduced $300 minimum deposit to open a Term Share Certificate
    • High school seniors are eligible for a Synced Seniors Scholarship1
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free telephone banking
  • Free checking account2
  • Free Visa® debit card1
  • Federally insured by NCUA up to $250,000
  • $25 minimum deposit to open

2021 - 2022 program information coming soon!

Congratulations to our 2021 winners:

Synced

  • Elizabeth Cornelius – Plainview High School – Shorter University
  • Sydney Correll – Etowah High School – Snead State Community College
  • Kaden Goodwin – Wellborn High School – Jacksonville State University
  • Daniel Rich – Sardis High School – Jacksonville State University

Collegiate

  • Harper Bell – Pell City High School – University of Alabama at Birmingham
  • Gabriel Lopez – Gadsden City High School – Gadsden State Community College
  • Abby Morrison – Hokes Bluff High School – Jacksonville State University

Leta Henson Johnson Memorial

  • Miguel Canseco – Albertville High School – University of Alabama at Birmingham

 

The scholarship application deadline was April 9th, 2021. Four (4) $3000 scholarships were awarded to high school seniors1, three (3) $3000 scholarship were awarded to deserving college undergraduates2, and one (1) $3000 scholarship was awarded in memoriam of ATCU employee Leta Henson Johnson3. Recipients were notified by April 29th, 2021.

1Alabama Teachers Credit Union will send notice to the winner(s) and a check will be sent to the financial aid office of the college, university, or seminary to be attended by the recipients. No funds will be released directly to students. Essays will be judged by a scholarship committee to be determined by the Credit Union. In the event of a tie, GPAs may be used to determine the winners. Scholarship Committee decisions are final. Graduate students, employees, Board and committee members of ATCU and their family members are not eligible. Must meet membership requirements. *Good standing is defined as having a positive account balance and loans paid up-to-date, no charged-off accounts. Insured by NCUA.

2Alabama Teachers Credit Union will send notice to the winner(s) and a check will be sent to the financial aid office of the college, university, or seminary to be attended by the recipients. No funds will be released directly to students. Essays will be judged by a scholarship committee to be determined by the Credit Union. In the event of a tie, GPAs may be used to determine the winners. Scholarship Committee decisions are final. Graduate students, employees, Board and committee members of ATCU and their family members are not eligible. Must meet membership requirements. *Good standing is defined as having a positive account balance and loans paid up-to-date, no charged-off accounts. **Full-time enrollment is defined as at least 12 credit hours per semester. Insured by NCUA.

3Alabama Teachers Credit Union will send notice to the winner(s) and a check will be sent to the financial aid office of the college, university, or seminary to be attended by the recipients. No funds will be released directly to students. Essays will be judged by a scholarship committee to be determined by the Credit Union. In the event of a tie, GPAs may be used to determine the winners. Scholarship Committee decisions are final. Graduate students, employees, Board and committee members of ATCU and their family members are not eligible. Insured by NCUA.

Synced Members:

Enroll your debit card in Digital Wallet between August 1st - September 30th to be entered for the chance to win $500!

Add your Alabama Teachers Credit Union card to Apple, Google, Samsung, Fitbit, or Garmin Pay to make online, in-app and in-store checkouts faster and easier with the same rewards, benefits and protections that come with using your physical card.

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay and the Google Pay logo are trademarks of Google LLC. Android is a trademark of Google LLC. Samsung, Samsung Pay and the Samsung Pay logo are registered trademarks of Samsung Electronics Co., Ltd. Older mobile devices may not be supported by the Digital Wallet. Verify supported devices at the link for your Digital Wallet. Terminals can vary so experience may be different from merchant to merchant. Insured by NCUA. No purchase necessary. Membership not required for participation. Purchase or signing up for any products or services will not increase the chances of winning. Must be 19 years of age or older to accept prize. Winner will be drawn at random from all eligible automatic and manual entries, as provided in the Official Rules, received from Sunday, August 1, 2021 through Thursday, September 30, 2021. Contact the Credit Union at (800)470-0704; write us at P.O. Box 1400, Gadsden, Alabama 35902; or visit www.atcu.com/disclosures.html to obtain a complete copy of the Official Rules for this promotion. Entry in this promotion or acceptance of any prize constitutes acceptance of the Official Rules.

1Synced Club is exclusive to ages thirteen through nineteen (13-19). The Synced 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), which includes issuance of a VISA® ATM Card. ATM fees may be refunded by initiating a request with the Accounting Department. Synced Seniors Scholarships are available to graduating seniors which meet all conditions and eligibility requirements described in the application.

2The Synced Club member must be at least thirteen (13) years of age and have the written consent of an approved adult joint account owner to open a share draft (checking) account and to obtain a Synced VISA® ATM/Debit Card.

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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