CORE Youth Accounts

Teaching children about money management can be a valuable lesson that will help them make smart financial decisions throughout their lives. By learning about budgeting, saving, and investing at a young age, children can avoid common financial pitfalls like debt and overspending.

Cornerstone’s CORE Youth Accounts (and a little help from parents) can teach them to save consistently, spend wisely, and give back to the community. Cornerstone has account options for every age, from cradle to college.

Receive $25* with a new CORE Youth Account

As kids and teens grow, so do their account options. From saving their allowance to buying their first car, CCF is in their corner every step of the way. See below for detailed account options.

*Offer subject to change at any time. The $25 cash deposit will be deposited into the CORE Youth Account as a dividend payment within 30 days of account opening. Account must be in good standing (no negative balance) to receive match. One account per SSN. $10 deposit required for membership. A 1099-INT will be issued for dividend bonus payment.

CORE KID (Ages 0-12)
Put a credit union in their corner from day one with a CORE Youth Savings account.

Fun Rewards:

  • Birthday Gifts: CORE Kids receive a gift in the mail during their birthday month.
  • Savings Punch Card: Every deposit earns a punch, every 10th punch earns a reward, up to 3x per year.
  • Good Grade Rewards: Get an A or B on a report card? CORE members can bring in their report cards to any CCF branch to receive two (2) entries for A's and one (1) entry for B's.
  • ZogoGet paid to get your financial learn on - with Zogo! This mobile app makes financial education engaging and entertaining.

Free Services:

  • Coin Counting: If they save ‘em, we’ll count ‘em. Automatic coin-counting machines are available at every branch.
  • Free mobile banking with the Cornerstone app
In addition to getting all the fun rewards and free services available to CORE Kid members, CORE Teens can take advantage of these benefits:

  • CORE Reward Checking: Starting at age 13, teens can learn to use a debit card, pay bills and manage funds while earning 2.02% APY* (up to $25 per month) on their deposits. All with no minimum balance or monthly fees. 
  • As a joint account holder, parents/guardians are able to see everything that goes on in the account, as well as set age-appropriate limits on spending and withdrawals.
    • Your teen can stack the savings with Rewards Checking and CCF's Round-Up Rewards program! 
    • With CCF's mobile banking app, you can track your teen’s spending, tag/comment on purchases and share receipts.
*APY = Annual Percentage Yield effective as of October 1st, 2023. Balances up to $15,000 receive APY of 2.02%. If qualifications are not met no dividends will be earned. View full Membership Agreement for full disclosure.
High Yield Savings Account Options

Youth High-Yield Savings Account (HYSA)

  • Available for members 0-17 years old
  • Earn 3.15% APY* on balances up to $1,000
  • Balance transfers to the Young Adult High-Yield Savings Account at age 18

1: APY is Annual Percentage Rate. Available to members ages 0-17. Standard APY of .05% applies to the balance in excess of $1,000. Rates subject to change and are accurate as of 7/1/2023. Account will convert to a CORE Young Adult High-Yield Savings Account at age 18. Fees could reduce earnings on the account.

Free Financial Education!

By starting early and providing a strong foundation in financial literacy, children can develop healthy financial habits that will benefit them for the rest of their lives. 

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