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Important System Upgrade Notice for FORMER WRCU & 802CU Members:
As part of our system upgrade with White River Credit Union (WRCU), hours will be adjusted and some banking services will be temporarily unavailable during the weekend of February 27–28.
For detailed information on services affected during the upgrade weekend visit Partnerships | 802 Credit Union

Home » Accounts » Youth Accounts

Youth Accounts in Vermont

It’s never too early to teach children how to save money and reach financial goals. From everyday savings to checking accounts and long-term certificates, our accounts help build a strong financial foundation from the very beginning.

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Youth Total E-Checking Account

A safe and simple checking option for teens ages 13–18 with digital tools and built-in protections.

Empowers young members to manage money independently, without the risk of overdraft fees, while learning responsible spending through digital banking.

  • No minimum balance or monthly service fees
  • Debit card with adjustable daily spending limits
  • Overdraft protection disabled to eliminate fees
  • Joint ownership with a legal guardian required
View Account Details Open An Account

Youth Savings Account

Perfect for children under 18 starting their savings journey and becoming a credit union member.

Establishes membership with 802CU and enables access to additional youth financial products.

  • $0.01 minimum balance required for membership
  • Monthly dividends and quarterly statements
  • Joint ownership with a legal guardian required
View Account Details Open An Account
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Youth Certificates of Deposit (CD)

Ideal for minors who are ready to grow their savings with a long-term, higher-yield option.

Teaches the value of committed saving and offers the opportunity to earn more interest with added flexibility.

  • $50 minimum opening deposit
  • 5-year term with higher APY than youth savings
  • Allows additional deposits throughout the term
  • Joint ownership with a legal guardian required
View Account Details Open An Account

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More Ways to Grow with 802CU

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    Savings

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  • Debit Cards

    Debit Cards

Youth Accounts With Grown-Up Rates

Our youth accounts provide strong earning potential and foundational banking experience. Explore current rates and discover the right option for your child.

See Our Rates

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Learn, Save & Grow with 802CU

Financial Education & Youth Month

Helping young members build lifelong financial habits is part of our mission. Through fun, educational resources and annual Youth Month events, we encourage saving early and often.

  • World of Cents Game
  •  TreasuryDirect KIDS
  • FTC Consumer Education

National Credit Union Youth Month (Every April)
At 802CU, we’re committed to helping young members grow smarter with money. Each April, we celebrate Youth Month with savings incentives, fun giveaways, and educational activities for members ages 0–17.

  • Coloring contests and giveaways
  • Youth savings incentives
  • Special prizes and referral bonuses

Start building strong money habits early with tools that make learning to save fun and rewarding.


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More Than a Member

As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.

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Testimonials

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Real stories from real people who’ve found their financial home.

I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.

Sarah

Windsor, VT

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802 Credit Union
265 South Main Street, Barre, VT 05641
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Prepare for conversion weekend (2/27–28)

Please review the information below before conversion weekend. These resources were previously shared by mail and email and include important steps to ensure a smooth transition.

Here for Online Banking, click the WRCU Online Banking button below. 

WRCU Online Banking Conversion Timeline and Checklist Bill Pay Instruction Quicken/QuickBooks Instructions