Start healthy savings habits early with the Service One Young Savers Account.
Designed for members aged 17 and under, we make learning about money rewarding, interactive, and fun!
EXCLUSIVE SUMMER PROMOTION: July 15 – October 15
Score a FREE Super Saver Kit! Open a new Young Savers Account and your child will walk out with a special gift: a Super Saver Kit!
(Available in-branch only, while supplies last)
Teen Checking Accounts
Dollars for Grades
Graduate Auto Loan Program
Gear up for the school year
Our limited-time Back to School Loan+ is designed to give your budget some breathing room. With a predictable 11-month term and financing up to $5,000, you can handle all your upfront school expenses now and pay it off comfortably before the next school year even begins.
Ready to make this school year the best one yet? Apply online today—this special offer wraps up on August 31, 2026!
Click here for more information.
ZOGO - Our financial Literacy Game
Get ready to learn & earn with Zogo
Zogo is a gamified financial literacy app that rewards users for completing bite-sized financial literacy lessons on intelligently saving, spending, and managing their own money. Level up and earn while you learn with real-life rewards, such as gift cards to your favorite stores.
Get questions correct, earn points, & redeem points for REAL gift cards!
Use code SOCU1963 when you download the app to connect to our gift card pool.
Resources for Parents
Frequently Asked questions
Who is eligible to open a Young Savers Account?
The account is open to all children and teens aged 17 and under. To get started, all you need is the child's birth certificate and social security card.
Is there a fee or minimum balance required to earn dividends?
There are no monthly maintenance fees. Accounts automatically begin earning dividends on balances of $0.01 or more.
How do we get the free Super Saver Kit?
Simply open a new Young Savers Account between July 1 and September 30 and fund it with at least $5 to start earning dividends! The superhero kit will be handed directly to your child at the branch while supplies last.
What do I need to open an account for my child?
To open any Youth Account, all you need is your child's birth certificate and social security card.
How does the Dollars for Grades program work?
Students in grades K–12 can bring a copy of their most recent report card into any Service One branch at the end of a grading period. We pay $5 for each "A" (or equivalent top-tier grade) in core subjects like Math, Science, English, and Social Studies, up to $50 per student, per school year. The funds are deposited directly into their Young Savers account!
What are the in-branch deposit rewards?
To help build consistent savings habits, young savers get to pick out a special, tangible novelty prize from our branch treasure box every time they stop by to make a deposit.
*APY=Annual Percentage Yield. The Super Saver Kit promotion runs from July 15, 2026, through October 15, 2026. To qualify for a free Super Saver Kit, a new Young Savers Account must be opened and funded with a minimum initial deposit of $5.00. Limit one (1) kit per new account member. Super Saver Kits are available for in-branch openings only and are distributed strictly while supplies last; items inside the kit are subject to change based on availability. Young Savers accounts earn dividends on daily balances of $0.01 or more. Rates are variable and subject to change after the account is opened. The Dollars for Grades program is open to K–12 student members. A maximum reward of $50.00 may be earned per student, per school year, based on top-tier grades in core academic subjects submitted in-branch by a parent or legal guardian. Zogo rewards are administered by Zogo Inc. and are subject to the app's terms and conditions. Service One Credit Union is federally insured by the NCUA.
Back-to-School Loan: +Annual Percentage Rate (APR) as low as 7.90% is available for an 11-month term on loan amounts up to $5,000. Rate is based on creditworthiness and underwriting factors; not all applicants will qualify for the lowest rate. Offer valid through August 31, 2026. All loans are subject to credit approval. Membership eligibility required. Federally insured by the NCUA. Equal Opportunity Lender.