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

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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

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Green-Light Auto Loans ⁽³⁾

Discounted rates 
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

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Ongoing Opportunities To Learn More

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

(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.

(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. Bounce Guard Overdraft Protection service is not available with the Access Checking Account.

(3) If Green-Light Auto Loan applicant is under the age of 18, primary applicant must be age of majority.

All loans subject to approval.