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Youth Accounts

Here at Cornerstone, we believe good financial habits start at an early age.

CORE Youth Accounts, along with help from parents, can teach kids and teens core financial values like how to save money, spend wisely and give back to the community. As they 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. From cradle to college, CCF has it covered!


*Offer subject to change at any time. The $25 cash deposit will be deposited into the CORE Youth Account 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.

Click here to view our Core member booklet.

Want to learn more about Youth Accounts? View a short tutorial.

For mini savers 12 and under, CORE Youth Account members receive a membership card and a punch card that rewards them for consistent saving. From birthdays to saving goals, CORE Youth Accounts reward good financial behavior at every opportunity!


  • Birthday Gift: CORE Kids Account holders receive a gift during the month of their birthday. Watch the mail for a birthday treat.
  • Savings Punch Card: Each deposit earns a punch in their CORE punch card. Every 10th punch earns a reward. It pays to be a CORE member!
  • Ever-Fi Classes: For each Ever-Fi class completed, CORE Kids members receive one entry into an annual drawing for a big ticket item like a bike or gaming system.
  • Good Grade Rewards: Get an A on a report card? CORE members can bring it into any CCF branch during the month of June for a special prize.
  • Coin Machine: CORE members can bring their coins into a branch to deposit in CCF’s automatic coin counting machine. Every little bit helps reach a savings goal.
  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements
  • $10 minimum deposit to open

In addition to a CORE Youth Savings Account, CCF offers teen members a CORE Checking Account and special CORE Share Certificates, as well as personal loans with reasonable credit limits to teach responsible credit use. Some accounts, such as checking and credit cards, are age-restricted, so talk to a staff member today about eligibility.

All the perks are the same as the youth accounts — birthday gifts, good grade rewards, and punch card rewards. Also, we’re adding Amazon/iTunes checking rewards and more chances to win a big quarterly giveaway.

CORE Reward Checking

CORE Reward Checking teaches teens how to properly use a debit card, manage funds and pay bills. This account earns 2.02% APY* on deposits in the Core Rewards Checking Account.  Also, deposit checks right into your checking account with CCF’s Mobile Banking app. No minimum balance and no monthly fees.


CORE Loans

CCF offers small personal loans with reasonable limits and low-interest rates to give CORE Teens a chance to responsibly borrow money. It gives teens a chance to learn how lending works, firsthand. They can use the funds for pretty much any dream — starting a small business, taking lessons, going on a senior trip or even an epic prom-posal!

CORE Credit Card

A credit card is a big part of growing up, and a CORE credit card with reasonable credit limits is a great way to give teens this experience before they’re away at college with no monetary supervision. Build their financial knowledge with a low-interest rate and no annual fee. Plus, parents/guardians are joint on the account, so they can monitor spending and teach responsible credit card usage.

January - March

April - June

July - September

October - December

Each quarter, you have the chance to win something BIG as a CORE Youth Account member. CCF will have one prize for CORE Kids and one prize for CORE Teens. If you don’t like the giveaway that you win, you can always opt for $100 in cold, hard cash instead. All throughout the year, you’ll have lots of opportunities to earn entries to win. Entry forms (pictured below) are available at each CCF branch.

You can win once per year, and entries roll over from quarter to quarter, so, if you don’t win, each quarter you have more and more chances to win. You can earn entries by taking financial classes online with our partner Ever-Fi, earning good grades on your report card, volunteering in the community or even just for being a great kid. We’ll even give you two free entries in your CORE welcome packet to get you started!

First Quarter Winners

Congrats to our very first quarterly CORE youth account winners 

CORE Kid Annabelle won a GoPro Hero 7 camera.

CORE Teen Kyle brought in a report card full of good grades, and one of those entries was the winning one we pulled at random. He took home a brand new pair of Apple AirPods. 

Second Quarter Prizes

CORE Kid (0-12) and CORE Teen  (13-17)


*Please note that some products have specific age restrictions.