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    Dinero Teens Savings

    Build a firm financial foundation for your teen.

    Open An Account Review Our Rates

    Introduce Your Teen to Finance with Advancial

    Our Dinero Teens savings account establishes your teen's membership with Advancial. With competitive dividend rates and flexible account access, a Dinero savings account is the best savings account for your teen.

    $5 minimum deposit to open

    $100 minimum balance to earn dividends

    No monthly service fee

    Carl R. Young Memorial Scholarship

    Every spring, Dinero Teens members who are graduating juniors or seniors are eligible to apply for a chance to win one of four $2,500 scholarships. Named in memory of our longtime board member and volunteer, Carl R. Young, our hope is that this scholarship helps Advancial's young members succeed the way that Carl helped our credit union for so many years. Carl’s dedication and commitment to Advancial and our members was a vital part of our growth and success. His wisdom and long-term perspective helped guide and shape Advancial through many transitional moments in our history, and with this scholarship we honor his contributions and his memory.

    The 2025 Carl R. Young Memorial Scholarship is now closed for submissions. Winners will be notified soon. 

     

    More Dinero Options

    Dinero Visa®

    Credit can be difficult to understand – especially for teens who are new to managing their finances. That’s why we created the Dinero Visa to help introduce teens to credit cards safely and responsibly, while making it simple for parents to monitor spending and provide guidance.
    Learn More

    Monitor Your Teen's Spending

    Using cuAnywhere® Online Banking, you can easily monitor your teen's account to keep an eye on their spending and balance to make sure they're being responsible with their financial freedom.

    Frequently Asked Questions about

    Dinero Teens Savings
    The minimum balance is $5. The minimum balance to earn dividends is $100.
    Yes, we created the Money Musketeers Program to educate children under the age of 12 about the importance of saving.

    We also offer the Dinero Teens Program for ages 13-18, which includes a savings account, checking account and the opportunity to apply for a Dinero Visa® at age 16. An adult is required to be a joint owner of the Dinero Visa.  
     
    Savings withdrawals are governed by Regulation D, a rule established by the Federal Reserve. This regulation states exactly how many withdrawal transactions can be made on each type of savings account.
    • Withdrawals or transfers made at the ATM
    • Transactions made in person at a branch
    You can make up to six (6) withdrawals on your savings account per month. Note: Transferring money from your savings to a checking account will count as one of the six transactions.
    Visit your local branch or call our Member Service Center at 800.322.2709 to request an ATM card.

    Dinero Teens Newsletter
    graphic of a piggy bank wearing a grad cap standing on a stack of books

    Dinero Teens: Claim Your Cash — Don’t Leave Free Money Behind!
    While college can be expensive, scholarships can help ease the financial burden—and the best part? Scholarships are essentially free money you don't have to pay back.
    April 22, 2025
    graphic of teens helping each other up stairs

    Dinero Teens: How to Ask for a Raise or Negotiate Your Salary
    Negotiating your salary or asking for a raise might feel scary, but it's normal and can seriously pay off. Here's how to do it without feeling awkward or sounding ungrateful.
    June 11, 2025
    graphic of a teen learning how to build their credit score

    Dinero Teens: How to Build Credit Without Wrecking It
    Credit might seem like a boring adult thing, but it's a tool that helps open doors for your future. Learn how to use it wisely now!
    June 11, 2025
    graphic of a teen using multiple budgeting resources

    Dinero Teens: How to Track Your Expenses: Simple Ways to Manage Your Money
    Ever wonder where all your money goes? Learning to track your expenses is a key step in managing your money wisely. The good news? With the right tools and a little effort, it's easier than you think!
    June 11, 2025
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