Checking for Teens Age 13 - 17
Get your first Checking account with this special Teen Checking. It will help you get on the right financial path.
|With this account you get:|
|FREE Checking||No monthly maintenance fee and no minimum balance required.|
|FREE Guide to Money||Curious about where to start? Our Guide to Money booklet, along with our online Teen portal, will give you the information you need to be successful with your finances.|
|FREE Visa® Debit Card||Debit Cards are faster and safer than using cash and can be used at ATMs and anywhere Visa® is accepted.|
|FREE Online Banking||Access your account anytime to look at detailed transactions, set up FREE e-statements, and email or text alerts.|
|FREE Mobile Banking||
Keep up with your finances on the go! Deposit checks for free, transfer cash between your accounts, and more. One-Time “Oops” Overdraft Waiver Everyone makes mistakes - for that we have a one-time use waiver of an overdraft fee.
|FREE 1st box of checks||Your first box of checks in on us! You may never write a check, but just in case you need one, you will have checks.|
|WKU Scholarships||High school seniors planning on attending WKU have the ability to apply for one of our incoming WKU freshmen scholarships.|
No Minimum Balance or Monthly Fee
Get started taking care of your money so it can take care of you.
Service One Credit Union can help! We offer the digital products you need. This checking account features no minimum balance and no monthly maintenance fee. A parent is required to open an account if you are under age 18. Members 17 and younger earn dividends on just $25 or more.
- iPhone and Android apps
- Digital Wallet
- Shared Branching Network Access
- Annual Scholarship
- Mobile Deposit-Age 16 and up
- Free Debit Card
- One Free “Oops” overdraft refund
- Complimentary Box of Checks
- FREE Guide to Money Booklet
- Money Manager & App: The Service One Budgeting Tool
Students Attending Degree-Granting Institutions
Service One offers student loans for borrowers attending degree-granting institutions.
Our consolidation student loan can combine multiple student loans into one easy payment. SOCU offers Private Student Loans, along with Consolidation Student Loans. Use our private student loan to pay for all qualified education expenses, including tuition, books, room/board, and even computers!
Remember, private student loans should be used as supplemental funding after exhausting all other sources of financial aid including grants, scholarships, and federal student loans. Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans. For more information on federal loans, visit the FAFSA website.
Private Student Loans
Low-Cost Student Loan
Service One can help fund your future with our private student loans.
College is a big investment, but we are here to help you through the process. Our low-cost student loan is designed to meet your educational needs. To learn more or to apply, please get started here.
Consolidation Student Loans
Private Consolidation Loans
Succeed after college with a student loan consolidation!
Service One now provides a private consolidation loan for both federal and private student loans. Consolidating private student loan debt can lower your monthly payments, potentially reduce your interest rate, and extend the payment period on your loans. To learn more or to apply, please get started here.
Young Saver Programs
Young Saver's Account
It’s never too early to learn to save and spend responsibly!
One of the best ways to promote good financial habits at a young age is to open a savings account at Service One Credit Union and establish a regular savings plan. As always, Young Savers who make a deposit to their account can choose a prize from our treasure chest!
Members 17 and younger earn dividends on just $25 or more. It’s a great way to save and learn about money.
BizKid$ is a financial literacy initiative that includes an award-winning TV series, free classroom curriculum, outreach activities, a website and a social media presence targeting children 9 – 16 years old.
Scholarships for High School Seniors
If you or a family member belongs to Service One, you can apply for a scholarship!
Service One awards high school senior scholarships annually through partnerships with the WKU Foundation and SKYCTC. Currently, we are not accepting applications for High School Senior Scholarships. Check back in February 2020 for information about applying for this scholarship.
Congratulations to our 2019-2020 High School Senior Scholarship winners:
- Hannah McCrady (Grayson Co HS)
- Jaidyn Franklin (Glasgow HS)
- Alyssa Britt (Barren Co HS)
- Parker Campbell (Butler Co HS)
Service One is proud to offer annual Returning WKU Student scholarships to our members and their family, who are planning to attend WKU. The application process for the 2019-2020 school year has ended.
Congratulations to our 2019-2020 Returning WKU Student Scholarship winners:
- Jordan Cummings
- Madison Wright
- Marcus Andres
- Makenzie Beals
- Grace Hewitt
Foundations in Personal Finance
Dave Ramsey Personal Finance Curriculum
Exciting news for two local high schools!
Service One Credit Union is donating Ramsey Solutions’ Foundations in Personal Finance curriculum to South Warren and Greenwood High Schools. Foundations in Personal Finance is the premier curriculum for teaching financial literacy to students.
Personal finance expert Dave Ramsey created Foundations in Personal Finance, an easy to use, turn-key school curriculum that teaches students the value of saving, spending and giving to guide them down the path of financial literacy.
More than four million students have taken Foundations in Personal Finance in middle schools, high schools and universities nationwide. Foundations in Personal Finance can be used as a primary or supplemental resource to fulfill requirements in mathematics, economics, family consumer science, business mathematics, and personal finance.
About Ramsey Solutions
Ramsey Solutions is committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development. The company’s success is defined by the number of people whose lives are changed by a message of hope. Through a variety of mediums including live events, publishing, syndicated columns, and a nationally syndicated radio show, Ramsey Solutions uses common sense education to empower people to win at life and money. Millions of families have graduated from Financial Peace University classes across the country, and Ramsey Solutions’ world-class speakers have brought vision, inspiration, and encouragement to more than a million more. Voted among Nashville’s best places to work ten times, Ramsey Solutions employs more than 800 team members focused and dedicated to doing work that matters.
For more information on the curriculum click below!