Youth Accounts

SCRATCH Club Share Account

♦  SMART  ♦  CONFIDENT  ♦  READY  ♦  AND  ♦  TRAINED  ♦  CASH  ♦  HOUND  ♦

Those 12 years of age or younger can be member-owners too by opening a Scratch Club Account! 

  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • Earn SCRATCH Bucks for deposits of $5 or more
  • Use SCRATCH Bucks for tail-wagging prizes
  • Receive a SCRATCH Club account card
  • Requires parent/grandparent/guardian as a joint owner

Current rates

SCRATCH Club

JAMMS Share Account

♦  JUNIOR  ♦  MONEY  ♦  MANAGEMENT  ♦  SOCIETY  ♦

Are you 13 to 17 years of age?  You can be a member-owner by opening a JAMMS Share Account!

  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • ATM Card
  • Free Online Banking with Bill Pay, Remote Deposit, eAlerts, eStatements, and more

Current rates

JAMMS Checking Account

  • JAMMS Share Account required
  • $25 minimum initial deposit to open
  • Free Online Banking with Bill Pay, Remote Deposit, eAlerts, eStatements, and more 
  • Free Mobile App
  • Overdraft Protection Options (Line of Credit subject to approval)
  • ATM access both local and worldwide
  • No monthly service fees
  • Unlimited withdrawals

JAMMS Loans

  • JAMMS Share Account required
  • Parent or guardian required as a joint borrower

Current rates

Funds Availability Policy

Fair Credit Billing Act & Account Reconciliation Sheet

Free credit reports are available under Federal law at: AnnualCreditReport.com