Youth Accounts

Smart Programs for every age and stage.

It's never too early or too late to start building smart money habits. That’s why we've created our Smart Programs, designed to help kids, teens, and young adults grow their financial confidence, one step at a time.  

Kick off their savings journey with this standout rate.

Open a Youth High Savings Account and help them learn smart habits early with a high-earning start.
 
 
1. Balances up to $2499.99 will early 3.04% APY, and balances $2500 or more earn 0.05% APY. Rates subject to change at any time. Limit one per youth account holder.
Earn apy1 up to
3.04%

on balances up to $2499

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










Financial Education: Banzai Junior

Banzai Junior provides real-life scenarios that show how to make wise decisions when faced with financial dilemmas. Designed for kids aged 8 to 12.

Financial Education: Banzai Teen

Created for teens aged 13 to 18, Banzai Teen gives teens the opportunity to work through real-life financial problems in a safe environment.

Financial Education: Banzai Plus

Designed for users 16 and up, Banzai Plus calls for users to embrace adult-sized obstacles and learn about concepts from paying off debt to credit scores.

More helpful reads for parents and children.

Parenthood and finances go hand-in-hand. It's important to take steps toward a solid financial foundation you can build throughout your child's life.
 
If you’re wondering where to start your financial journey, joining a credit union is one! There are numerous benefits available to college students at credit unions.
 
As summer winds down and back-to-school season approaches, it’s time to gear up for clothes and supplies. From backpacks to first-day outfits, costs can add up fast.
 










Vibe Credit Union Thrive Scholarship

As a part of our commitment to elevate community and create opportunity, we are proud to award $2,000 to 10 members graduating high school each year. Our Thrive Scholarship is designed for members pursuing further education at a university, college, or trade school of their choice.
 
Applications for our 2026 scholarships will open on January 1st, 2026.
Stay tuned for more details on requirements and how to apply.