
Start with the basics and grow together.
Our Smart Programs are designed to teach kids and teens the value of saving, spending, and managing money wisely. As they learn and grow their savings, they also help make a difference because every deposit supports meal donations to Kids Coalition Against Hunger through Vibe.

Smart Start (Ages 0-8)
Smart Start introduces young savers to the building blocks of good money habits, with parents leading the way. This program helps families set the stage for future financial success.
- Membership Savings Account
- Youth High-Yield Savings Account
- Certificates of Deposit (CD)
- Easy account access for parents

Smart Stride (Ages 9-15)
Smart Stride gives pre-teens and teens a safe way to practice financial responsibility. With personalized banking products and digital resources, they’ll learn how to manage money while working toward big milestones, like a car or college.
- Membership Savings Account
- Youth High-Yield Savings Account
- Youth Checking Account and Debit Card
- Certificates of Deposit (CD)
- Debit Card and Online Banking access with parental guidance
Smart Launch (Ages 16-24)
Smart Launch empowers young adults to take charge of their money with products built for real-life needs. Whether it’s buying a first car or building credit, we’re here to help young adult members launch with confidence.
- Membership Savings Account
- Youth High-Yield Savings Account
- Young Adult Checking Account and Debit Card
- Certificates of Deposit (CD)
- Visa Platinum Credit Card
- Auto Loans
