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Youth Savings & Financial Planning

Open An All Stars Account For Ages 12+

Youth Savings Account

Help young people up to age 17 engage in the fun of saving and reward them for filling up their piggy bank—and all the while, they’ll earn interest on any deposit. A parent, aunt, uncle, grandparent or friend can open a youth savings account, even for a baby, and help save for their future.

A youth account operates just like our regular account:

  • Open the account with a one-time, $5 membership deposit, which is required to purchase a share of membership in the credit union.
  • Deposits and withdrawals can be made in any amount.
  • Account interest is compounded and paid quarterly.
  • Through this account, you establish membership at Extra Credit Union with access to all our services.

Account Opening Contest

Any new youth member who opens an account from September 1, 2023 to June 30, 2024 will receive a $5 match deposited In their account. As well as, be entered Into a drawing to win a $250 account deposit, which will take place In early July 2024.

Plus, All Star account members ages 12-16 get a special gift package, which includes:

  • ECU Drawstring Bag
  • ECU Color-Changing Pencil
  • ECU Color-Changing Water Bottle

Account Perks

Good Grades Pay

Middle and high school youth members get paid for every “A” and “B” on their report card through the Good Grades Pay program (up to $12 per report card).

Submit your report card after each quarter and we’ll deposit the money directly into your account. Report cards can be dropped off at a branch, emailed to FinancialEducation@ExtraCreditUnion.org, or submitted by using the form below.

Richard J. Spence Scholarship

As high school seniors, youth members can apply for a Richard J. Spence Scholarship. Five scholarships are awarded annually totaling $5,000.

Congratulations to the 2024 Richard J. Spence Scholarship winners:

  • Jacob Meershaert – Armada High School, $2,000
  • Izabella Medley – Almont High School, $1,000
  • Nathan Halstead – Lutheran High School Northwest, $1,000
  • Mackenzie Jones – Warren Woods Tower High School, $500
  • Katleyn Bailey –Sterling Heights High School, $500

Youth Loans

Youth loans can teach you financial basics and help you pay for items such as prom expenses, senior packages, school trips, band camps, and more.


Our scholarship recipients are determined by a committee and selected based on:

  • Academic achievement
  • Community and school involvement
  • Contributions to family or society
  • A written essay

Download the application.

FUTURITY Bonus Checking

FUTURITY checking and savings accounts enable you to:

  • Access your account 24/7 from anywhere.
  • Save your money for your college tuition.
  • Build your credit for future purchases of a new car or a home.
  • Reduce and even reimburse certain service fees.

Members 16-17 years old are encouraged to have a parent/guardian on their account. Exceptions can be made for students who do not wish to have a parent/guardian on their account if two of the following criteria are met:

  • The student has a cumulative GPA of 3.0 or higher
  • Student completes the LearningLab+ program at ExtraCreditUnion.org
  • Student sets up direct deposit

Questions? Click here for FUTURITY FAQs and more information.


Teach smart spending.

Greenlight is the loved, trusted debit card and money app for kids and teens that helps families raise financially-smart kids and manage every day financial tasks—and it is now available to you for free!*

*Extra Credit Union customers are eligible for the Greenlight SELECT plan at no cost when they connect their Extra Credit Union account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Plans start at $4.99/mo. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms at greenlight.com/promotionsgeneralterms for details. Subject to minimum balance requirements and identity verification. Offer ends 12/12/2024. Offer subject to change or renewal.


The Free Application for Federal Student Aid (FAFSA) is used to determine who receives financial aid from the federal government to pay for college, and how much students get.

The FAFSA asks for information about you and your family’s finances, including tax returns, so you might need your parents’ help to complete it. If you need additional help, reach out to your school counselor.



Good Grades Pay

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