Help Your Teen Learn Responsible Financial Habits

Teen Programs

HCPFCU now offers special accounts and financial education for teen members (age 13+).  We have designed this program to help teen members prepare for their financial future with the possibility of graduating from high school with excellent credit. 

Teen Savings Account (Age 13+)

When your teen becomes a member of HCPFCU, they start with this base account. This savings account requires a parent or guardian joint owner and a $5.00 deposit to open.  This account has no minimum balance requirement or monthly fees. 

Teen Checking Account With Debit Card (Age 13+)

This account requires a $25 deposit and has no monthly fees and no minimum balance requirement. Teens (and parent/guardian joint owner) can monitor account activity via our mobile app and set up transaction alerts. The teen member will also have a debit card in their own name to help them learn to manage regular transactions.

Teen Credit Card (Age 16+)

Our teen credit card requires a joint owner with a parent or guardian on the account, however, the credit rating of the joint owner does not impact this card. Teen credit cards start with a $250 limit and their account can be managed online. The usage of this card will help to build a credit history.

Money Lessons

We now have an online money course specifically created for teens.  HCPFCU Teen members get free access to this material that can be taken independently or viewed as a family.  Teen members also receive direct mail with money savings tips.