Kick-start your child’s financial journey with a $25 bonus!
Open a new Youth Membership in branch and your child will receive a $25 bonus deposit1, plus a $10 In-N-Out® gift card2 while supplies last. They’ll also be automatically entered for a chance to win one of three $500 Target® or Walmart® gift cards.1
When your child opens a new Youth Membership, they receive:
A $25 deposit bonus¹ for opening a Youth Membership
A $10 In-N-Out® gift card (while supplies last)²
A Chance to Win a $500 Gift Card
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Every new Youth Membership opened during the promotion is automatically entered for a chance to win one of three $500 gift cards to the Member’s choice of either Target® or Walmart®.1 |
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What to bring to your appointment:
- Parent or legal guardian: Social Security number and acceptable ID, such as a state ID, state driver’s license, or U.S. passport.
- Youth Member: Social Security number and acceptable ID/documentation, such as a school ID with photo, State ID, U.S. government-issued ID, or birth certificate.
- If needed: Proof of address may be required if the parent/legal guardian’s address does not match their ID.
Offer ends August 31. Schedule an appointment to open a Youth Membership at a branch today.
Key Advantages
Debit card with parental controls
Give a child financial independence with a debit card featuring 37 customizable alerts and controls. Enjoy surcharge-free access to 30,000+ ATMs on the CO-OP network for added convenience.
Learn More
Financial education resources
Help your child build smart money habits with our extensive library of courses, videos, articles, and free webinars tailored to every stage of their financial journey.
Learn More
CU F.L.Y. financial empowerment program
Empower high school teens with essential money management skills through CU F.L.Y. (Credit Union Financial Literacy for Youth). Prepare them for financial success with practical tools and confidence-building knowledge backed by national research.
Learn More
Youth share certificates
To earn maximum return on deposits earmarked for longer term saving goals, youth Member can open a Share Certificate with a term of at least 12 months. The minimum deposit to open a Youth Share Certificate and earn dividends is $500.
Schedule Appointment-
Youth Accounts are available for Members under the age of 18.
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The standard $10 opening balance for new Share Savings Accounts will apply.
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No, all fees on Youth Savings Accounts are waived.
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Yes! Youth Members are eligible to open checking accounts with a debit card. While age 12 or 13 is the typical age for kids to have their first checking account with debit card, we leave it to the parents’ discretion if they want to open a checking account with debit card for a younger child. Please note that Youth Members can open a free Classic Checking Account. Although this account does not have a monthly fee, overdraft fees may apply.
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Yes! A Youth Member can open a share certificate with a term of at least 12 months. The minimum deposit to open a Youth Share Certificate and earn dividends is $500.
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Yes. There is a $200 daily limit for ATM withdrawals, point-of-sale (signature) transactions, and debit card transactions. Parents can adjust this limit by speaking with the Branch Manager of their local CU SoCal branch.
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Yes! A Youth Account is one of the service categories you can select when setting a branch appointment.
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You will need a current state or government-issued photo ID (State ID, Driver’s License, U.S. Passport, U.S Resident Card). Minors may use the following as identification: State ID, Current Student ID, or Birth Certificate. If address is not current on government-issued ID or is not listed for Parent/Guardian, please provide one of the following: current lease or mortgage agreement, auto/home/renter’s insurance, DMV registration, or utility bill (internet, cable, gas, electric or water). You will need a Social Security number or ITIN documents for the minor/joints of the account.
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No, a Youth Account must be opened in a CU SoCal branch. A parent or guardian must accompany their minor children to a CU SoCal branch to open a youth Membership. They cannot be opened online.
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No, CU SoCal Members under the age of 18 do not have access to Zelle. ®
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Your child can register for Digital Banking, which would allow them to view their account through Online and Mobile Banking. Parents or guardians can link their child’s account to their own by visiting a branch, via online chat through our website or Mobile App, or calling our Member Care Center at 866.287.6225 Monday-Friday: 9 a.m.-6 p.m. and Saturday: 9 a.m.-1 p.m.
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Our website offers a wealth of free information in the form of online courses, videos, articles and more under our “Financial Resources” section. On the Home page of the website, go to More > Financial Resource to explore. High school students can also learn through our CU Fly program. Click here to learn more about CU Fly.
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Accounts opened for minors (aged 17 and under) must be opened in person by a parent or legal guardian at a branch. All new accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Minor Members are only eligible to open a Classic Checking Account.
1 All youth Memberships opened between July 1 and August 31, 2026, will be automatically entered to win. Valid only for new Youth Members. New Youth Members are defined as a person 17 and under who has never been an owner of a Credit Union of Southern California (CU SoCal) account. Any accounts opened for minors (aged 17 and under) must have parent or legal guardian consent and be opened in person by a parent or legal guardian at a CU SoCal branch. To open a youth Membership, minor and parent/legal guardian must each provide SSN and acceptable ID/documentation: minor may provide a school ID with photo, State ID, U.S. government-issued ID, or birth certificate; parent/legal guardian may provide state ID, state driver’s license, or U.S. passport. Proof of address may be required if the guardian’s address does not match their ID. All new accounts will be verified by ChexSystems®, OFAC, and Precise ID, and are subject to CU SoCal approval and Membership eligibility requirements. A credit report is also required but will not be obtained for minors. All new youth Memberships will receive a $25 bonus which will be deposited into Member’s account by September 30, 2026. Additionally, all new youth Memberships opened will be automatically entered for a chance to win a $500 gift card. Winners may select either a Walmart® or Target® gift card. Three winners will be randomly selected from all eligible entries. Odds of winning depend on number of entries received. Winners will be selected by September 14, 2026. Limit one entry per Member regardless of method of entry. Winners will be notified by phone or email. If a winner cannot be contacted within 5 days, an alternate winner may be selected. Opening a youth Membership is not required to enter or win. Parents or legal guardians of the minor may alternatively enter by mailing a postcard with your name and phone number to: Back to School c/o CU SoCal Marketing Dept., 8101 E Kaiser Blvd., Ste. 300, Anaheim, CA, 92808-2261. Mail-in entries must be postmarked no later than August 31, 2026, and received by September 11, 2026. Winning parent or guardian must accompany minor to accept prize. Cannot be combined with other offers. Prize and cash bonus may be subject to tax reporting. Employees of CU SoCal and their immediate family members are not eligible for raffle prizes. In-N-Out®, Target®, and Walmart® are not sponsors or affiliated with this promotion. CU SoCal reserves the right to modify, suspend, or terminate this promotion at its discretion.
2 $10 In-N-Out® gift cards for opening new youth accounts are available only while supplies last during promotional period.
Regular savings rates
| Account type | Min opening balance | Min to earn dividend | Dividend rate | APY¹ |
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Account type:
Regular Savings2 |
Min opening balance:
$10 |
Min to earn dividend :
$500 |
Dividend rate:
0.10% |
APY¹:
0.10% |
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Account type:
Sub-Savings/IRA Savings 2,3 |
Min opening balance:
$5 |
Min to earn dividend :
$500 |
Dividend rate:
0.10% |
APY¹:
0.10% |
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Account type:
Deferred Compensation 4 |
Min opening balance:
$10 |
Min to earn dividend :
$1 |
Dividend rate:
0.45% |
APY¹:
0.45% |
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Account type:
Holiday Saver |
Min opening balance:
$10 |
Min to earn dividend :
$1 |
Dividend rate:
0.30% |
APY¹:
0.30% |
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Account type:
Summer Saver |
Min opening balance:
$50 |
Min to earn dividend :
$1 |
Dividend rate:
0.30% |
APY¹:
0.30% |
Rates Effective as of: July 9, 2026
1 APY is Annual Percentage Yield. 2 For minors, the minimum to earn dividends is $1.00. 3 IRA savings include Traditional, Roth, & Coverdell Education IRA 4 Restricted by law to school district employees. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
Open Account
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