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Big Dreams Start with
Small Steps

.. and it's never too early to start! Whether you want to save for something big or just want your own debit card ¹ , we're here to help you build good money habits from day one!

So, what are you waiting for?

Get A Debit Card

Your New Bestie
The KTVAECU^® Rewards Debit Card

Level up your money game with the debit card that pays you back! Plus, add your card to your digital wallet and use your phone to pay even faster.

With the KTVAECU Rewards Debit Card:

Rack up rewards with every tap
Track your cash in the app
Access your money when you need it

Learn More

Spend Smart with a Teen Checking Account ²

Ready for more financial freedom? With a Teen Checking Account:

Get your own debit card
Score your money early with direct deposit ³
See what you've spent, and what's left, with the mobile app

Get Started

Explore Digital Banking Tools for Teens

Your money journey is yours, and we have plenty of ways to help you make the most of it! Check out easy ways to personalize and manage your account, no matter where you are.

KTVAECU Mobile App ⁴
Track your spending, send money to friends and family, and more … all from your phone!

Personalized Cards ⁵
Show off your style and customize your card with a photo.

Control My Card by KTVAECU^® ⁶
Add your card to digital wallet, boost security with alerts, and turn your card on or off!

Direct Deposit ³
Ditch the lines! Get your paychecks deposited right into your account with the fastest, easiest way to get paid.

Start Saving

Whether you want to save for your first car or track your own spending, we have options to help you crush your money goals!

Jump Start Savings Account ⁷

Kick off your money journey with our Jump Start Savings Account. Grow your confidence along with your savings!

Earn 3.00% APY on the first $500.00
Get started with a $5.00 minimum balance
Earn quarterly dividends
No monthly fees

Open a Jump Start Savings Account at any of our branches!

Branch Locations

Educational Savings Account ⁸

Planning for college or trade school? Our Educational Savings Account helps you save for tuition, books, and other costs!

Earn competitive dividends
No minimum opening deposit
Save for at least three years
Funds pay out first day of college/trade school – or 18th birthday

Open an Educational Savings Account by phone or at any branch!

View Rates Branch Locations

Headed to College?

Starting college or trade school is an exciting milestone that comes with new responsibilities and freedom. Whether you’re saving up for tuition or looking for budget tips, we’ve got your back.

Start Earning

A great way to save money for college or trade school is with a part-time job! Check out open positions at your favorite stores or restaurants, or check if your school offers work-study programs.

Build Your Savings

Set aside part of your income every month into a savings account (like our Educational Savings Account!) and watch your money grow.

Check out Financial Aid

If you need some extra support to cover the cost of your program, check out the Free Application for Federal Student Aid (FAFSA) or look into scholarships and grants offered by your school.

Borrow Smart

Need help covering education costs? We partner with Sallie Mae^® ⁹ to connect you with student loan options to help you pay for programs from undergraduate degrees to medical school!

Want to Boost Your Financial
Education Game?

Who you pick as your money partner is a big deal. That’s why we offer the resources you need to become a money champion! From great digital banking tools to friendly in-branch service, we’re here to help you master lifelong money skills. Check out our YouTube channel for quick tips and tutorials on popular money topics!

KTVAECU Youtube

50/30/20 Budget Rule
Need a new way to budget? Try the 50/30/20 Rule! Here’s how it works.
Whenever you plan your monthly budget, divide your purchases into three separate categories: needs, wants, and savings.

Needs

Use 50% of your monthly spending for important things like:

Rent
Groceries
Gas Money
Phone Bill

Wants

Give yourself 30% of your monthly budget for the fun stuff!

Shopping hauls
Coffee runs
Nights out
Monthly subscriptions

Savings

Stash 20% into savings each month to cover:

College or trade school
Future expenses
Emergencies

Check out Our Podcast!

Want to boost your money knowledge even more? Money Moves by KTVAECU^® is your go-to podcast for tips, tricks, and answers to your money questions.

Tune in to hear the hottest financial topics turned into fun, relatable conversations and stay in the know about all things money!

Find us on your favorite platform!

Spotify Apple Podcasts KTVAECU YouTube

Greenlight^® ¹⁰

Greenlight^® is the debit card and financial education app that helps you learn the skills you need for lifelong money wins. Create savings goals, set up chores and allowances, and more!

And get FREE access just for being a Member!

Get real-time spending notifications
Set up parental controls
Learn money-management skills with games, quizzes, and more

Register for Greenlight

Greenlight

Frequently Asked Questions

How do I open a teen account?

Visit any branch with a parent or guardian to open your teen savings or checking account.
Do teen accounts get a debit card?

Yes! Teens under the age of 18 can get a debit card if a parent or guardian signs a Guaranty Agreement.
Is the youth debit card free?

The KTVAECU Rewards Debit Card has no annual fees. Plus, it allows access to thousands of surcharge-free ATMs ¹¹ nationwide.
What is the best savings account for teens?

Our Jump Start Savings Account is the perfect savings account for everyday saving. With the Educational Savings Account, save up a college fund or prepare to pay for trade school.
What are the rates for youth savings accounts?

See our current Youth Savings Accounts rates on our Rates Page. Rates are subject to change.
What happens to my youth account when I turn 18?

At 18, you are eligible to be the sole owner of your checking or savings accounts giving you even more freedom with your money. The Educational Savings Account will pay out to you on your 18th birthday if you have not already started your first day of college or trade school.
How do I set up direct deposit for a teen checking account?

Fill out the direct deposit form and give it to your employer to set up direct deposit! Make sure you have your account number and our routing number (264279567) handy.