Start Young Youth Accounts
Choose the age-appropriate account that will allow your child to develop strong financial habits.
We’re growing together!
With the official merger of AdelFi and Christian Community Credit Union, we will begin transitioning new members to onboarding through the Christian Community Credit Union technology platform. This phased approach ensures a seamless and consistent onboarding experience as our services unify.
Build Strong Savings Habits for Your Children
Teaching your children to be financially responsible is one of the most important lessons you can teach. At AdelFi, a Division of CCCU, we provide youth accounts for every stage of your child’s financial development from pre-school through their high school graduation. These accounts enable you to teach your children valuable saving and money management habits while keeping you in control of the accounts.
Easy deposits and transfers to your child’s account
Full parental controls over spending limit
24/7 parental monitoring and alert options
Compare Start Young™ Youth Accounts
Start Young Checking and Savings Account are designed to grow with your child, featuring age-appropriate elements that help them learn essential money management skills.
Account Type | 0-7 Age Group | 8-12 Age Group | 13-17 Age Group |
|---|---|---|---|
Start Young Checking To open a CCCU Youth Account products click here. | $100 minimum opening deposit No monthly maintenance fees or minimum balance* Parental controls to limit and track child’s account access and activity 24/7 secure access using online banking and mobile app Debit card access | $100 minimum opening deposit No monthly maintenance fees or minimum balance* Parental controls to limit and track child’s account access and activity 24/7 secure access using online banking and mobile app Debit card access | $100 minimum opening deposit No monthly maintenance fees or minimum balance* Mobile person-to-person payments powered by Bill Pay Easy account deposit and transfer options Separate parental access and alerts to limit and track your child’s account activity 24/7 monitoring using online banking and mobile app |
Start Young Savings To open a CCCU Youth Account products click here. | $100 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app Parental controls to limit child’s account access | $100 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app Parental controls to limit child’s account access | $100 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app Easy account deposit and transfer options Separate parental controls to track child’s accounts |
Start Young™ Debit Card Account Resources
Youth accounts each come with a debit card that connects to their spending account. Each card offers different features based on the age group it’s connected to. Compare the card benefits below.
Debit Card | How to Use This Card |
|---|---|
0-7 Age Group | Demonstrate responsible card ownership Explain how card purchases equal real money Introduce simple budgeting and spending limits No service or overdraft fees |
8-12 Age Group | Teach safe online purchasing habits Demonstrate card convenience and responsibility Reinforce how card spending uses real money Practice ATM access for deposits and withdrawals No service or overdraft fees |
13-17 Age Group | Everyday purchases on their own (gas, snacks, etc.) Separate parental monitoring, spending limits, and alerts Online and in-store purchase options ATM access for deposits and limited withdrawals No service or overdraft fees |
Online & Mobile Banking
Digital banking is how you stay connected with your child’s accounts. With the online and mobile banking tools, you can maintain access to your child’s account to perform important tasks, including:
- Track their spending and purchases
- Transfer money to their accounts
- Make digital deposits into their accounts
- Set up mobile alerts for elements related to your child’s account
- Set spending limits
- Initiate mobile person-to-person payments through Bill Pay
Dividend Rates Effective: January 22, 2026
1APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. For dividend-bearing savings accounts, AdelFi, a Division of CCCU pays dividends monthly on the last day of each month. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY Withdrawal of dividends and fees may reduce earnings the Start Young™ Savings account.
*Please refer to AdelFi's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.
