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    Dinero Teens Savings

    Build a firm financial foundation for your teen.

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    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 accepting submissions. To apply, download and complete the instructions on the application by Monday, April 7.
    Download the Application

    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

    Dinero Teens: A Guide to Tipping
    Knowing how and when to tip is a key part of growing up. Tipping is a way to show appreciation for good service and support people in jobs that often rely on tips to make a decent living. Here's a guide to help you navigate the sometimes-confusing world of tipping etiquette.
    August 09, 2024

    Dinero Teens: Check-Writing 101
    In an era of digital payments, you may not regularly need to write a check to complete a purchase. But at some point, you will likely want or need to write a check because it’s the best option available.
    October 03, 2023

    Dinero Teens: How to Make Money Management Less Confusing
    If you think managing your money is challenging, you’re not alone! Nearly three-quarters of teens (74%) say they’re not confident about their personal finance knowledge, according to a recent survey.
    August 30, 2023

    Dinero Teens: What's a Credit Score?
    While you may know a lot about test scores, how much do you know about credit scores? One day, these scores will have an important influence over financial matters in your life, so it pays to learn about them sooner rather than later.
    September 18, 2023
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