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Youth Accounts

Foster Healthy Money Habits Early

It’s never too early to start teaching financial responsibility. Our youth accounts for kids and teenagers offer parents the tools to set their children up for future success by teaching them responsible spending, saving and general money skills.


Upgrade to a New Youth Account

To upgrade your child's account to a new M3 Money Club (ages 7-12) or Elements of Money account (ages 13-16), enter the unique code that was in your letter. If you do not have a unique code, please stop by or call the credit union at 330.452.9801.

  • Denotes required fields

Opening a Youth Account

There are only two requirements for opening a youth account.

1. You must have the child’s social security card or a government issued ID

2. A youth account requires a minimum deposit of $5.00

Stop by any of our offices to open a child or teen an account. The minimum balance in order to earn dividends on this account is $25.00. If you already have a regular account setup for your child, just tell us that you want to opt them into a youth account!

Visit Our Offices

"Boost" Term Share Certificate

CSE members younger than age 18 have a unique savings opportunity in our "Boost" Term Share Certificate. The Boost Certificate is a 12-month certificate to encourage savings and thrift. Funds can be added to the certificate throughout the term. At the end of the 12 months, members can have the funds rolled into their Regular Share account or renew the certificate. (If a member turns 18 during the certificate term and the certificate is renewed, the certificate will renew at our normal 12-month certificate rate.)

While depositing to the certificate is acceptable and encouraged, withdrawals are not permitted with a Boost certificate. If a Boost certificate is closed before maturation, the early withdrawal penalty we will impose will be 90 days of dividends and may reduce the principal of your certificate.

View Current "Boost" Certificate Rate


Additional Resources for Teaching Money Skills


CollegeAdvantage – A 529 plan is a tax-advantaged way to save for future education costs and CollegeAdvantage is the 529 program for Ohio. Consult a tax advisor for additional tax information.

Money & Stuff – This website is loaded with financial lessons for teens and resources for college students! If you need to teach money skills, Money & Stuff is a great place to start.

bizKids – Biz Kids is a fun, half-hour TV series geared towards teenagers about money and business. Using a blend of entertainment and education, this series shows teens how to make and manage their own money.

Practical Money Skills for Life – Visa developed Practical Money Skills for Life to help consumers and students of all ages learn the essentials of personal finance. Visa partnered with key advocates and educators to make it understandable and relatable.

National Endowment for Financial Education (NEFE) – The National Endowment for Financial Education (NEFE) is the leading private nonprofit 501(c)(3) national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life.

Credit Union Network Financial Literacy – The Credit Union Network for Financial Literacy provides innovative financial literacy programs that engage children and adults while promoting the benefits of credit union membership.


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