Trailblazer Youth Banking Program

Adventure Starts Here!

A program built to help your child navigate their financial future with confidence. Trailblazers was created to inspire curiosity, build good money habits, and make saving feel like an adventure.

With Trailblazers, kids can enjoy:

A boosted savings rate – Earn an extra 2% APY^* increase on top of our standard savings rate.

Good Grade Bonus – Earn $1 for every A (or equivalent) on report cards.

No monthly fees or deposit caps – Because big goals deserve room to grow.

Accounts

Click the button below to become a member, or stop by any branch with your photo identification and Social Security Card and speak to a Member Service Representative to open your account. For more information, contact us at 269.673.5465.

Become a Member

More Ways to Build Confidence and Good Habits

Checking Account and CD options that grow with your child.

Trailblazers offers a full lineup of youth-friendly financial tools to help kids and teens learn, practice, and thrive on their financial journey:

Youth Checking (Ages 13+)

Give your teen the confidence to manage everyday spending with a checking account designed just for them.

No monthly fees
Debit card with tap-to-pay and Apple/Google Pay
eAlerts and Card Controls

Youth CDs

Youth CDs make it easy to plan for future goals with boosted rates and set-it-and-forget-it simplicity.

12, 24, and 48-month options
.75% rate bump over standard CD rates^*
Add-on flexibility so they can keep building their savings anytime

Current Rates

^*Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.