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Youth Accounts

Financial Instruction in Real $ituations for Teens (FIR$T Account)


One of the most exciting opportunities for FIR$T Account members is the FIR$T CD. This unique CD has a lower minimum deposit, just $100, than our traditional CDs and yet pays the same great rates AND allows FIR$T Account members to deposit additional funds to the CD prior to it's maturity. Terms of six or 12 months are available.

WHO: Upper Michigan Community Credit Union (UMCCU) members who are between ages 13 and 17.

WHAT: A club designed to teach you to handle your money. A fabulous financial future starts with learning the basics today.

WHY: UMCCU is committed to educating our members. Strong financial skills now will ensure a brighter future.

WHEN: FIR$T Accounts are available now!

HOW: If you are not already a UMCCU member stop in today. You will need a photo ID with your birthdate or certified birth certificate and your Social Security card. Your parent or guardian will need their photo ID and a second form of ID.

13-15 year olds are offered

  • Regular share savings
  • Christmas Clubs
  • FIR$T CDs Just $100 minimum, short 6 month or 1 year term, funds can be added to CD prior to maturity

16 and 17 year olds are offered

All of the above plus

  • Checking with ATM/Debit Card
  • Mobile Money-Smart phone App for mobile banking
  • CyberBranch Access View your accounts, balance your checkbook and transfer money online

Sites for Ages 18 and Under!

Visit these sites for tips on being smart with your money. You'll find information about:

  • Earning and borrowing
  • Saving and budgeting
  • Spending and using checks

You'll also find out more about credit unions!

Kids, have fun and
learn how to save money!
Teens, what's your
financial goal?  

Young adults, it's your
life...are you ready?

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