Youth Savings

Youth Savings Account

Our unique Youth Savings Accounts provide parents with the tools to teach children how to make responsible financial choices.
We reward kids and teens with bonus money when they learn age-appropriate financial lessons.


$5 Minimum Balance

financial literacy

Financial Literacy

armco bucks

Earn Bonus Money

Standard Features for all Youth Savings Accounts

Financial literacy graphic

  • $5.00 minimum balance
  • No maintenance fees
  • Earn the same tiered interest rates as the adult savings account View Rates Here
  • Opportunity to earn bonus money if youth completes age appropriate tasks
  • Free access to cuEARN, our app linking parent and youth accounts.
  • Child Privacy Policy and Parental Consent Statement


  • Requires a joint parent/guardian on the account.
  • Armco Credit Union membership required for child.

The Berenstain Bears Cub Club at Armco Credit Union

The Berenstain Bears® Financial Literacy Program


Ages 7 & Under

Standard Savings Features plus …

  • Receive an official Armco Credit Union Piggy Bank when you open a Cub Account for kids ages 7 and under.
  • Fill our official piggy bank with coins and redeem in person. Kids love emptying the piggy bank into our coin machine!
  • Deposit the money into your Cub Savings Account and we’ll reward you by depositing an additional 5% of the piggy banks total* up to 6x per year.
  • Coin machines are located at the Butler branch and the Mars branch only.
  • Receive the book entitled “The Berenstain Bears Visit the Credit Union” when your child redeems the official Armco Credit Union piggy bank at any branch. (One book per child. Child must be present to receive a book. While supplies last)
  • Certain Terms and Conditions apply


Games & Activities
Join The Cub Club
bb resources for parents

Youth Accounts for Ages 8-17

Banzai Financial Literacy ProgramOur Youth Savings Account program for ages 8-17 provides kids, tweens and teens with the foundation to make good financial decisions now and throughout life.

Standard Savings Features plus …

  • Earn $50 bonus money by completing the age appropriate Banzai course*
  • Gain confidence, responsibility and independence

There are three Banzai courses. Each is intended for a specific age.

Banzai is our award-winning web-based financial education partner. They offer three educational courses as well as articles, personal coaches and financial calculators. All members of your family are welcome to use Banzai’s resources!



for Ages 8-12
Operate a lemonade stand



for Ages 13-15
Navigate real-life scenarios



for Ages 16-17
Learn to budget and build credit

To earn the $50 bonus money,

you must complete your age appropriate course. Each course contains a pretest, interactive game and post-test. Once you complete a course, you will receive a Certificate of Completion. Redeem the certificate at Armco CU and we’ll deposit $50 into your Youth Savings Account*. UTMA accounts are not eligible to receive bonus money.

The courses are web-based and may be completed on any device (desktop, tablet or smart phone). The course saves progress, so kids and teens may work at their own pace.

Certain Terms and Conditions apply

    How to Redeem Certificate

    1. Complete your age-appropriate Banzai course. A certificate will be displayed at the end of the course.
    2. Print or screenshot the certificate.
    3. Bring your certificate into any branch OR redeem by scanning or taking a screenshot of the certificate. Please email to:  In the email, you must include the following information:
      • Youth's name
      • Daytime phone number (Parent phone number for kids under 13 required)
      • User name/e-mail address you used to register in the Banzai course. (You must include to verify course completion)
    4. $50 bonus money will be deposited into your Youth Savings Account once Banzai has verified completion of the course*. Please allow 3-5 business days. Terms & Conditions apply.

    Youth Articles

    Youth Articles

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    Math-The Common Denominator for Saving Money by Alex, age 11 Most kids think math isn’t very useful in everyday life....
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    Teaching Teens Financial Responsibility

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    Back to School Savings for All Ages

    According to the National Retail Federation, the average American household spends $685 on back-to-school shopping for children in elementary through...
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    4 convenient ways to open an account 


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    *As of June 20, 2024 11:35 am the Annual Percentage Yield for a savings account is 0.60%. The Dividend Rate is 0.60%. The Dividend Rate and Annual Percentage Yield are variable and may change every month as determined by the credit union board of directors. Time frame to obtain bonus valid through 12/31/24. Minimum balance to open an account is $5.00. Allow 3-7 business days for bonus money to be applied to account.

    Armco CU protects the information privacy of our younger members. We do not knowingly collect, maintain, or use personal information about children under age 13 from our website. If a person sends personal information to us through any online service and identifies himself or herself as being under the age of 13, we will only use that information to respond directly to that child or to notify the parents. We will not retain such information unless we obtain parental consent.