Financial Well-Being for Ages 13 to 17
Introduction
Now's the perfect time to start practicing important financial habits that could influence your well-being as an adult. We can help you build those habits with a Focus account, uniquely designed for members who are ages 13 to 17.
Parents or guardians can meet with a representative to open an account. Stop by your local branch or call us at 800.242.2120.
Focus Account
Starting at age 13, members are able to open up a checking account, receive a debit card, enroll in digital banking, earn dividends with a share certificate (with a special opportunity below), and even open a credit card.
Discuss these opportunities with your parent or guardian to get started! Joint owners or coborrowers may be required. Ask a representative for details.
Flex Checking and Debit Card
Establish Healthy Spending Habits
Our Flex Checking account is a perfect way to start, with no monthly service charges or minimum balance requirements. When you open your checking, you'll also enjoy a complimentary Visa® debit card for convenient payment options and ATM access.
Savings Milestone Contest*
Opportunities to Win Cash Prizes!
With this savings contest, you’re challenged to reach a savings milestone every three months throughout the year. For each milestone you achieve, you’ll receive entries into our drawing – for up to $500 in cash prizes!
Save the following totals in your savings or checking accounts.
- Milestone 1 - Save $250 by March 31st
- Milestone 2 - Save $500 by June 30th
- Milestone 3 - Save $750 by September 30th
- Milestone 4 - Save $1,000 by December 31st
Achieving a milestone counts as five entries, and all members who are ages 13 to 17 are automatically enrolled in the contest! Each January, we'll draw up to 18 cash prize winners, including:
- (1) grand prize of $500
- (2) prizes of $250
- (5) prizes of $100
- (10) prizes of $50
If you're selected as a winner, the prize will deposit automatically to your primary savings. We wish you luck as you pursue your savings goals!
Youth Share Certificate
Save More to Earn More
Save money and earn dividends in our Youth Share Certificate with a minimum starting balance of just $25. Plus, you can continue making additional deposits throughout the certificate’s 12-month term.
Youth Visa® Platinum
Establish Your Credit History
Learn to manage a small credit limit up to $500 with a coborrower. This can establish credit history and develop responsible borrowing habits as you manage your line of credit wisely. You'll also qualify for Rewards like 1% cash back! Ask for details.
Quarterly Focus
Financial Wellness Snapshots
We're here to support your financial journey with educational resources, tips, and more. Our quarterly email to members ages 13 to 17 will offer information on money management, security reminders, and all about credit unions.
For more financial wellness resources, you can check out our Wallet Wellness portal or start using Zogo today.
Zogo – Learn and Earn
It pays to learn about your finances – literally! Our partnership with Zogo rewards you with real life prizes for completing bite-size financial wellness lessons. Learn more about Zogo.
College Planning
Graduating high school is a big deal, but it also comes with big responsibilities. We do our best to help prepare you for financial independence, from flexible credit card options and credit-building opportunities to scholarship programs, student loans, and support with college planning.
...and More!
As you approach age 18, we'll help you transition to the next stage in your financial journey with our Forward account. Check it out:
Additional Information
NCUA Share Insurance Information
*Visions membership required with a $1 minimum deposit – certain restrictions apply. Ask for membership eligibility details or visit visionsfcu.org/join. Member must be age 13 to 17 and account must be in good standing to be eligible to earn entries; eligibility for the program expires at age 18. Must have valid U.S. Social Security number. Void where prohibited by law. Official rules and a complete list of milestones and prizes are available at visionsfcu.org/focus or at any Visions location. Member limited to one prize per year; account must be in good standing at time of drawing. Odds of winning based on number of entries. Prizes will be deposited to winners’ primary savings by January 30th of the following year. Prize values vary and are reportable for tax purposes. Federally insured by NCUA.
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