Skip to content
Book An Appointment
Apply For A Loan
Apply For A Mortgage
Open An Account
Our Resources
Book An Appointment
Book An Appointment
Apply For A Loan
Apply For A Mortgage
Open an Account
Online Banking Login

Junior Spend and Save

Help your child take the next step in their financial journey.

Ages 7–13: Teach smart spending and saving habits.

Why Choose Junior Spend and Save?

Help your child take the next step in their financial journey with our Junior Spend & Save Program, designed specifically for kids aged 7 to 13. At Park City Credit Union, we’re here to support growing savers and spenders by providing tools to build financial independence and confidence.

Junior Investor Certificate

  • Perfect for Young Investors: Open with a minimum deposit of $100 to help your child learn about higher returns through longer-term savings.
  • 6-Month Term1: A fixed term designed to encourage long-term savings habits.
  • Competitive Rates: Designed to offer excellent returns while fostering financial literacy.
  • Add-On2 Deposit Option: Make additional deposits during the term, making it easy to grow savings over time.

Junior Spending Account Features

  • Debit Card Options: Choose from seven fun designs.
    • Lower daily limits designed for children’s spending habits.
    • Ability to add the debit card to a mobile wallet3 for easy, secure payments.
  • Mobile Access:
    • Mobile App4: Manage their account anytime, anywhere.
    • Mobile Deposit5 and eServices: Available with flexible options:
      • With eStatements: Earn dividends at 0.50% APY*
      • Without eStatements: Earn dividends at 0.01% APY*
  • Debit Card Round-Up6: Encourage savings with automatic round-ups on purchases, transferring spare change into their savings.
  • Quarterly Round-Up Drawing7: A fun incentive for saving—members are automatically entered!
  • Access to Banzai Youth Financial Wellness Center: Interactive resources to build strong financial habits.

Fun and Powerful eServices!

Empower your child’s financial journey with these exciting digital tools:

  • Round-Up: Automatically round up purchases and save the spare change.
  • Mobile Wallet3: Add your child’s debit card for secure, digital payments.
  • See-Jump8: Parents can monitor and manage their child’s account activity with ease.
  • eAlerts8: Get notifications for balances, transactions, and more.
  • Cross Account Transfers8: Easily transfer money for allowances, chores, or rewards.

Additional Features for Teens and Parents

  • Custodial9 or Joint Memberships: Choose the right level of access—teens can either have limited or full control with a joint account.

Access to Banzai Youth Financial Wellness Center: Educational resources to help teens learn essential financial skills.

PC_YouthAccounts_1_1224
PC_YouthAccounts_3_1224
Digital Wallet Card
Tomahawk High Card
Lakeland High Card
Merrill High Card
Rhinelander Card

Youth Savings Account

  • Save Smarter: Designed for growing savers, this account helps kids build their savings while learning financial responsibility.
  • 2.00% APY on Balances Up to $50010: Encourage savings with a competitive rate that helps their money grow faster.
  • Digital Convenience: Includes a debit card and access to online banking so they can monitor their account anytime, anywhere.
  • Parental Oversight: Parents can help guide spending and saving decisions with tools for monitoring activity.


My First Certificate

  • Perfect for First-Time Savers: Requires only a $500 minimum deposit to open.
  • 12-Month Term11: Teach teens the value of saving for long-term goals.
  • Add-On2 Deposit Option: Add funds at any time to grow savings faster.

Ready to Get Started?

Empower your child with the tools they need to save, spend, and grow their money responsibly.

Schedule an Appointment Today!

Our friendly team is here to help you open an account and answer your questions.

Explore the Youth Wellness Center
Schedule an Appointment

*APY=Annual Percentage Yield. APYs accurate as of 10/14/2024. Rates may change after account is opened. The minimum to open account online is $5.

1The minimum to open account is $100. A penalty may be imposed for early withdrawal. Primary owner must be between the ages of 14 and 17 years old to open an account and under 21 to renew.
2Minimum Add-on Deposit is $20.00.

3Apple Pay® is a registered trademark of Apple Inc. Google Pay™ is a registered trademark of Google LLC. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd.

4Messaging and data rates/fees may apply.

5Must qualify for mobile deposit in order to enroll. Wireless carrier data rates may apply.

6Park City Credit Union’s Debit Card Round Up program requires a qualifying checking account with Visa® debit card. Actual savings will vary based on debit card use. The program is not available for Health Savings Accounts, Platinum or Gold Money Market, UTMA/Custodial or Business/Organizational Checking. Each rounded amount will be between $0.01 and $0.99. Transfers will be completed in one lump sum at the end of each day. The credit union reserves the right to cancel or modify the Debit Card Round Up program at any time.

7Park City Credit Union’s Debit Card Round Up Program requires a qualifying checking account with Visa® debit card. Actual savings will vary based on debit card use. The program is not available for Health Savings Accounts, Platinum or Gold Money Market, UTMA/Custodial or Business/Organizational Checking. Each rounded amount will be between $0.01 and $0.99. Transfers will be completed in one lump sum at the end of each day. The credit union reserves the right to cancel or modify the Debit Card Round Up program at any time. 

8Wireless carrier data rates/fees may apply.

9Custodial refers to the Uniform Transfers to Minors Act (UTMA).  

10For Youth Savings: (1) balances up to $500 receive APY of 2.00%; and (2) balances over $500 earn 0.01% dividend rate on the portion of the balance over $500, resulting in 0.81%-6.00% APY depending on the balance. Primary owner must be 17 years old or younger to open an account. Limit one account per primary owner’s SSN.

11The minimum to open account is $500. A penalty may be imposed for early withdrawal. Primary owner must be 17 years old or younger to open an account and under 21 to renew. 

Credit terms & conditions, and other restrictions may apply.
*APR = Annual Percentage Rate
†APY = Annual Percentage Yield
5 Stars

Didn't find what you're looking for?

Contact Us

Address
501 S. Pine Ridge Ave.
Merrill, WI 54452

Services and Tools

Quick Info
Reference
NMLS #518120 – Membership Eligibility Required.
Routing Number #291580614
Facebook Instagram Linkedin Youtube
Park City Credit Union logo
Copyright © 2025 Park City Credit Union

Site by Your Marketing Co

You are now leaving Park City Credit Union

Park City Credit Union logo

Park City Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Park City Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL

Download the Park City Credit Union Mobile App.
Apple Store logo
Android Store logo