Your kids represent your greatest achievement ... and they deserve every good thing you can give them. That’s why we offer several types of youth programs to help you get them started on a healthy financial path and keep them moving in the right direction. Smarty Kids Club Accounts Designed especially for children 12 and under, our Smarty Kids Club Account introduces your little ones to the value of saving money, while also earning them favorable dividends. Youngsters receive an informational newsletter each quarter, have access to a fun Web site made just for them, and can meet Smarty the Squirrel at activities and events planned throughout the year. It takes just $1 to open a Smarty Savings Account.  Thereafter, your child will earn prizes for deposits made to the account.   Journey Accounts As your child grows into the teen years, our Journey Savings Account provides opportunities to learn more about personal money management. Available to youth ages 13 to 17, the Journey account offers access to online banking, loans,* check-cashing privileges, Web site information, educational seminars and teen-oriented newsletters. The minimum balance for this account is $1. With these tools, your teenager can develop financial skills to guide them in the years to come. *Co-signer may be required.  See Credit Union for details.