Smart money habits start early and grow through every stage of life—from youth to teen to college. Our accounts are designed to support their financial journey, helping them build skills and confidence at each step. Start their path to a brighter financial future today!

Small Change Accounts

For Ages 0-12

Start teaching smart saving habits early with our Small Change Accounts.

Available Products & Services

  • Small Change Savings Account

  • Term Certificates (CDs)

  • Free Online Banking & Mobile Banking (for guardian)

Savings Features:

  • Earns dividends

  • No monthly service fees

  • Open with just a $25 initial deposit

Upward Andy’s Coloring Adventure!

  • Join Upward Andy on a coloring adventure

  • Contact us to get and color the PDF coloring page

  • Share your coloring page with Upward Credit Union by mail, email, text message, or in person – Don’t forget the artist’s name

  • The coloring page could end up on display by Upward for others to see

Teen U Accounts

For Ages 13-17

Empower teens to take their first steps toward financial independence with our Teen U Accounts.

Available Products & Services

  • Teen U Savings

  • Teen U Checking

  • Term Certificates (CDs)

  • Free Visa Debit Card with Digital Wallet compatibility

  • Free Online Banking with Bill Pay

  • Free Mobile Banking with Mobile Deposit

  • Free Card Controls App for added security

Savings Features:

  • Earns dividends

  • No monthly service fees

  • Open with just a $25 initial deposit

Checking Features:

  • No monthly service charges

  • No minimum balance requirements

  • Free Visa Debit Card with Digital Wallet compatibility

  • Free Overdraft protection from your share accounts

Young Adult (YA!) Accounts

For Ages 18-24

Designed for young adults ready to explore the full range of financial tools, we offer accounts designed to reward their independence and support their future goals.

Popular Products & Services

  • Kasasa Saver Savings

  • Kasasa Rewards Checking

  • Term Certificates (CDs)

  • Visa-U Credit Card

  • Free Visa Debit Card with Digital Wallet compatibility

  • Free Online Banking with Bill Pay

  • Free Mobile Banking with Mobile Deposit

  • Free Card Controls App for added security

Resources for Higher Education

Coverdell Education Savings

Formerly known as the Education IRA, it is a great way for parents, grandparents, and others to help meet the rising costs of a student’s education, while taking advantage of tax-deferred savings.

 

FAFSA Student Aid Portal

Free Application for Federal Student Aid (FAFSA) is a free application that students use to apply for federal and state student aid: Federal grants, Work-study funds, and Loans.

  • FAFSA Portal

  • What is FAFSA

  • Check your State and Federal application deadlines (California is around March 1st)

  • DACA and Noncitizen students also see the California Dream Act Application

 

Student Loans by LendKey!

LendKey offers private Student Loans using a network of financial institutions. Students must generally meet age, credit, and citizenship requirements before loan approval. Student applicants who do not have a credit history or a steady source of income will oftentimes need to apply with a qualified cosigner.

 

Private Loans from Upward

A 2nd Mortgage or Home Equity Line of Credit from Upward Credit Union may be an affordable option to consider when researching ways to fund education expenses.

Available Products & Services

Available Products & Services
Feature Small Change (Ages 0-12) Teen U (Ages 13–17) Young Adults (Ages 18+)
Account Opening In-Person In-Person Online or In-Person
Requires a parent or guardian ✓ ✓ X
Savings Account ✓ ✓ ✓
Checking Account X ✓ ✓
Term Certificates ✓ ✓ ✓
Coverdell ESA ✓ ✓ ✓
Debit Card with Digital Wallet Compatibility X ✓ ✓
Online & Mobile Banking ✓ ✓ ✓
Alerts & Notifications ✓ ✓ ✓
e-Statements ✓ ✓ ✓
Mobile Deposit ✓ ✓ ✓
Bill Pay X ✓ ✓
Credit Card X X ✓