money mindfulness
starts small

We’re Celebrating Our Smallest Savers

April is Credit Union Youth Month! We’re joining credit unions across the nation in engaging our youngest members.

Youth Month Promotion Deposit $25 to Get $25

Open a new Join With Coins account in April, and we’ll match your first $25 on deposit.

Open Account
Join With Coins

$0 monthly fee

Small savers earn big in this high yield savings account. Deposit coins and birthday cash to start them off strong.

Account Details

  • 5.00% APY1
  • $1.00 minimum deposit
  • Free coin counting services
  • Ages 14 and under
At Every Age Money Matters


Multipli Youth Accounts are managed in house and give children the space and tools to grow their money skills with parental controls and account supervision at every step.

Start lessons on money management right at home and support them with accounts built to help kids learn.

  • Introduce what money looks like and how it’s used.
  • Teach the difference between wants vs. needs.
  • Start scheduled saving with a Join With Coins account.
  • Reward simple chores with small money to save.
  • Play money games like Monopoly Junior to practice decision making.
  • Introduce budgeting: split allowance into spending, saving, and giving.
  • Reinforce earning money with chores.
  • Teach patience and delayed gratification through longer-term savings goals.
  • Show them the benefits of saving through the interest earned on their Join With Coins account.
  • Help them compare prices and make informed spending choices.
  • Open a Teen Checking account to allow them to manage their own budget and make money decisions with your oversight and parental controls.
  • Teach more complex concepts like the purpose of loans, and the difference between credit and debit cards.
  • Encourage entrepreneurship like a lemonade stand.
  • Promote saving and investing for future goals and explain compound interest.
  • Teach about consequences of bad financial decisions and how to avoid them.

Request Support

Complete the form below and a branch manager will reach out to assist you with your Join with Coins account opening.

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1APY: Annual Percentage Yield. Children must be 14 and under to join. After first $500 on deposit rate on funds is 0.15% APY. Rates subject to change at anytime.