Money Management


Smart-Start Accounts

When it comes to gaining valuable experience with the whole money thing, our Smart-Start Accounts are a leap in the right direction. These special accounts not only provide financial experience, they also offer eye-opening ways to save money and in some instances, earn substantial dividends, too.

It All Begins With Our Aspire Savings Account (1)

Save for short-term goals or long-range dreams
This account features the same solid rates as our regular Share Savings, but without the standard fees for inactivity.
  • For members ages 13-22
  • Balance of $100 or more earn dividends
  • 24/7 access via ATM and FREE online banking  


Access Checking (2)

Checking for the real world
With round-the-clock account access available nearly everywhere - from stores at the mall to ATMs while on spring break to dorm room computers - here's a Checking Account that's always good-to-go.

Features include:
  • For members ages 16-22
  • No monthly fee
  • Quick cash, without fees, at thousands of CO-OP Network ATMs 
  • VISA Check Card


Aim High Liquid Certificate(3)

Earn higher dividends - and still access your funds
All it takes to get started is an Access (Student) Checking Account and an opening deposit of $500 or more. Our Aim High Liquid Certificate offers the high-yield benefits of Certificate savings, but also allows for a one-time withdrawal of funds without penalty.
  • $500 minimum initial deposit
  • One-year term
  • The option of adding additional deposits of $100 or more throughout the term
  • One penalty-free withdrawal per certificate term (additional withdrawals are subject to normal penalties)


Green-Light Auto Loans (4)

Discounted rates - plus a FREE roadside companion kit
Opt for automatic payments from the Access Checking account (a pre-requisite for the Green-Light Auto Loan), and enjoy a rate reduction of 0.25%.
  • Loan amounts available for up to $20,000
  • Flexible terms
  • FREE roadside companion kit with each new loan (while supplies last)


Ongoing Opportunities To Learn More

Smart-Start members also get updates and financial information on our youth partner site dedicated to teens here.

(1) A parent or guardian must be a joint owner on the Aspire Savings Account for any person under the age of 18. Upon turning the age of 23 years old, the Aspire Savings will convert to a Regular Share Account with corresponding rates and terms. Bounce Guard Overdraft Protection service is not available with the Access Checking Account.

(2) A parent or guardian must be a joint owner on the Access Checking Account for any person under the age of 18. Upon turning the age of 23 years old, the Access Checking Account will convert to a Basic Checking Account with corresponding rates and terms.

(3) A parent or guardian must be a joint owner on the Aim High Liquid Certificate for any person under the age of 18. Upon next maturity after turning the age of 23 years old, the Aim High Liquid Certificate will convert to a regular 1-year Certificate with corresponding rates and terms.
 
(4) If Green-Light Auto Loan applicant is under the age of 18, primary applicant must be age of majority.

All loans subject to approval.