Youth Accounts

All Youth Savings Accounts (Under Age 18)

$10 minimum balance
Dividends paid on the entire balance
Dividends are calculated daily and paid quarterly
Free Membership in the Rocky Raccoon Club, Sound Savers Club, or Money $marts Club.

Youth Program Savings
Effective Date: 9/21/23
Account Type	Minimum Balance	APY	Dividend Rate
Savings	$10.00	0.150%	0.150%
Dividends paid quarterly.
12 Month Certificate	$100.00	4.200%	4.125%
Dividends paid monthly.
(Up to 2 deposits or payroll deductions allowed.)

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. All dividends may vary and are not declared until the end of the period. Dividends are calculated based on the daily ending balance in the account.

Savings Calculator

Savings Goals Calculator

Rocky Raccoon Club (Ages 0 - 11)

The club offers an opportunity to understand the value of Saving Account. Watch your money grow. Collect our Rocky Raccoon wooden coins and redeem them for real money. Come in, visit the credit union, gain the experience of handling money. Save, then spend responsibly, then save again.

Rocky Raccoon Benefits

Parent/Guardian required on account
No fee for club membership
Minimum balance of $10
Dividends are paid on the entire balance
Every deposit a kid brings into the credit union (of $1 or more) is eligible for a wooden token*
15 wooden tokens are redeemable for 1 $5 deposit into the saving account

*SnoCope is not responsible for tracking tokens or replacing lost tokens. Can be modified or canceled at any time. Max tokens earned per month are 15. Max redemption per year $60.

Apply today!

Sound Savers Club (Ages 12 - 14)

The club offers the benefit of a Savings Account with the added responsibility of a Checking Account. Practice spending no more than you have saved. Keep your Checking Account in balance, maybe even learn to keep a residual amount in that Checking Account so you never fret about overspending. If you learn these skills early, you will find it easier to save for important needs later.

Sound Savers Savings

Parent/Guardian required on account
No fee for club membership
Minimum balance of $10
Dividends are paid on the entire balance

Sound Savers Checking

Sound Savers Youth Visa

Apply today!

Money $marts Club (Ages 15 - 17)

Here's your chance to practice true fiscal responsibility by handling all three: a Savings, Checking, and Visa Account. Practice keeping your checking in balance and/or borrowing then paying off your Visa on time. These skills will become good financial habits that facilitate your ability to get loans when you want your first car or decide to go to college or step out on your own.

Money $marts Savings

Parent/Guardian required on account
No fee for club membership
Minimum balance of $10
Dividends are paid on the entire balance