Youth and Teen Accounts

Their future starts today

With our Youth Savers Account, you can help your child establish healthy saving habits and receive tools to help them begin practicing in real life. Plus, our Youth Savers Account earns more than a traditional account, when you open your Youth Savers account with your child you'll recieve a special APY of 0.25% up to a balance of $5,0001.

Practice simple habits of saving:

• Financial Literacy: Points to Ponder 

          Here you will find financial resources such as articles and helpful tips to share with your child. 

• Activity Worksheets

Click to download: you can find activity sheets to sit down and do with your child that will help them learn the value of money, how to better save, how to budget, and more.

Financial Crossword Puzzle
Answers to puzzle

Savings Tracker

Spending tracker

• Receive a piggy bank at account opening!

Fill your piggy bank and deposit it at KCT to earn a $5 bonus deposit.*


*Bring back the filled piggy bank (minimum $10) to deposit into a Youth Savers Account and receive a $5 deposit into the account. Offer redeemable twice ($5 each time). Offer only for ages 13 and under. 
1APY (Annual Percentage Yield). Youth Savers Account eligible for individuals under age 18. Parent or Legal Guardian must be named as join owner (child as primary). Membership and other qualifications apply. 0.25% APY applies to Youth Accounts up to a $5,000 balance, balances above $5,000 will receive the current regular savings rate.

Our Teen Checking Account is designed to help teens establish healthy saving and spending habits by offering a FREE, everyday checking account, access to financial literacy resources and tools. Available for kids ages 13-17. Minimum opening deposit of $25, no annual fees, no service fees, no minimum balance requirements. 

Benefits of a Teen Checking Account:

Free KCT Debit Card
Gives you the chance to learn the basics of debit card use when shopping around town, online, or anywhere Visa is accepted.

Enhanced Fraud Protection
Through Visa's Zero Liability Policy*

Access to KCT Online and KCT Mobile banking
Utilize budgeting and tracking tools, with the added access of financial literacy resources

Establish healthy savings and spending habits
With access to KCT Online and Mobile, you can keep track of your savings and spending right from your phone.


Practice Simple Habits of Saving:

Financial Activity Worksheets

Financial Crossword Puzzle

 Budget Worksheets

Answers for Crossword Puzzle


Financial Football: Are you up for the challenge?

Visa and the NFL have teamed up to create Financial Football - a fast-paced, interactive game that engages children in football while teaching them about financial concepts and money management skills. The game is available to play for free through iOS and Android apps and online. Select the game screen below to play!

Financial Literacy: Points to Ponder

Here you will find financial tips and advise. Curious about a topic that hasn't been posted, reach out and let us know at

Open a Teen Checking Account at your nearest KCT branch today!

1Teen Checking is designed to help teens establish healthy savings and spending habits by opting out of Courtesy Pay, Overdraft Protection and Regulation E. Must be 13-17 years old to qualify for the Teen Checking Account. Membership and other qualifications apply. Parent or Legal Guardian must be named as joint owner (Teen as primary). Required minimum opening deposit: $25.00.

*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. Individual replacement fund amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by KCT Credit Union based on factors such as gross negligence or fraud, delay in reporting unauthorized use.You must notify KCT immediately of any unauthorized use. Transaction must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please consult your issuer.