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Routing #291973687

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Routing #291973687
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Youth, Teen & Young Adult Accounts

We understand how important it is to have good money management skills. Encouraging financial education at an early age creates the foundation for good financial habits and allows children to grow into financially responsible adults. Youth accounts are quick and simple to open. All we need is their social security number and a parent or guardian joint on account.  Please call us at 218-722-9242 if you would like to open an account for your child or teen.

(The online account opening application can not be used for anyone under the age of 18. We are happy to assist you in opening an account over the phone.)


  • Easy to open with a simple $5.00 membership deposit into savings account
  • No fees
  • A great tool to help teach money management and reach savings goals
  • Youth checking accounts with a debit card are available for ages 16 and older when a parent or guardian is joint on account.


$mart $aver Account (age 0 – 12)

An account designed to help our youth (ages 0 – 11)  learn about the value of saving.

A $5.00 minimum deposit and child’s social security number is all it takes to start a $mart $aver Account.   Details


Teen Account (age 13 – 17)

Our teen account is designed with busy students in mind. First job and looking for an account for direct deposit? We offer free no minimum debit card account for busy teens. Details


Young Adult Accounts (age 18 – 24)

Managing your independence starts with help from Harbor Pointe Credit Union. This is an exciting time in your life, with your whole future before you. As the next few years will determine the financial course of your life, you’ll want to manage your finances wisely to make your money go further and secure your future. Details


UTMA Custodial Accounts

UTMA (Uniform Transfer to Minor’s Act) accounts are nothing more than a custodial account, which is used to hold and protect assets for minors until they reach the age of majority in their state. The funds are held for the benefit of the minor for such things as college tuition.

Youth CDS

Save for your future by easily building your new CD over time. We make it simple and fun to save with a Dream Builder Certificate.

How it works:

Start with a minimum balance of $100 in your new Dream Builder Certificate. You will earn .25% higher rate than current savings rate while you are reaching your personal Dream Builder Certificate goal.

Make bi-weekly or monthly automatic transfers or cash deposits of at least $25 until you reach your personal savings goal within the first 12 months. After the initial 12 month term, your certificate automatically transitions to a traditional 12 month certificate earning the current 12 month certificate rate.

You can quickly set up your new Dream Builder Certificate at any Harbor Pointe Credit Union location or give us a call for assistance.