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Youth And teen solutions

Meet your family’s local financial partner for life.

Teaching your kids the value of a dollar isn’t always easy, but at TruStone Financial we believe no child is too young to discover the importance of saving. We offer MoneyWise accounts that are just right for children under age 18 with unique saving options, exclusively designed to fit their needs.  We believe these products are the first step toward a sound financial future.  Starting your child’s relationship with a credit union they can trust will make the financial education process easier and more rewarding and make their transition into checking accounts smoother.

As their change adds up, stop by your local branch and use our Coin Machine to turn that spare change into cash for your child’s savings account.


MoneyWise Primary Share Offer

MoneyWise Primary Share is a child’s first savings account and will start them on their way to watching their money grow. TruStone Financial will match the opening deposit up to $10.**

 

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MoneyWise Primary Share is a child’s first savings account and will start them on their way to watching their money grow. TruStone Financial will match the opening deposit up to $10**.



 

MoneyWise Prime Share Savings

Effective June 1, 2021 (rates subject to change)
Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
Primary Share Savings $5 0.30% 0.30%

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.

**Money for match must be deposited at time of account opening. TruStone will match up to $10 of the total funds deposited. MoneyWise accounts are available to those under 18 years of age. Allow up to 30 days for funds to be deposited. Accounts closed within six months may forfeit funds. Offer subject to change.

1The minimum deposit to open a Primary Share and maintain membership is the purchase of a $5 share in TruStone Financial.

2For these account types, the dividend period is quarterly: for example, the first dividend period of the calendar year is January 1 through March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period: for example, March 31.

The MoneyWise Money Market rewards kids with higher dividends as their balance grows. It requires a $500 minimum deposit, but their funds remain easily accessible.
 

MoneyWise Money Market

Effective June 1, 2021 (rates subject to change)
Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
MoneyWise Primary Share (Youth) $5 0.30% 0.30%
- Tier I: $0 - $499.99 $500 0.25% 0.25%
- Tier II: $500 - $9,999.99 $500 0.30% 0.30%
- Tier III: $10,000 - $24,999.99 $500 0.40% 0.40%
- Tier IV: $25,000+ $500 0.50% 0.50%


*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.

3For these account types, the dividend period is monthly; for example, the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period: for example, January 31.

MoneyWise Certificates offer the high rate of a certificate with flexibility more like that of a typical savings accounts. These certificates have a 12-month term, but allow kids – or their parents – to add money to the account throughout the year.

 

MoneyWise Certificates

Effective June 1, 2021 (rates subject to change)
Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
MoneyWise Certificate (12 Month) $25** 0.30% 0.30%

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts. **Minimum balance to open a certificate if you are under 18 years old is $25. Minimum balance to open a certificate is $500 for 18+ years old.

CERTIFICATE INFORMATION:
The required minimum balance to open a certificate is $500. If you are under age 18, the minimum balance to open is $25. Automatic renewable certificate accounts have a ten business day grace period after the maturity date to withdraw or close the account. Accrued dividends will be paid during the ten day grace period. For certificate accounts that do not automatically renew at maturity, dividends will no longer be paid. The APY assumes that dividends will remain in your account until maturity. Penalties may be imposed if you withdraw any of the principal in your account before the maturity date. The penalty will equal 90 days’ dividends on your account if the original term is one year or less. The penalty will equal 365 days’ dividends on your account if the original term is greater than one year. If a certificate is withdrawn within six calendar days after the account is opened, a penalty of at least seven days dividends will be assessed. If the account is part of an IRA, see your plan disclosure for details on penalty exceptions. IRA certificates are not available in three and six month terms. The dividend period is quarterly. For example: the first dividend period of the calendar year is January 1 through March 31. All other dividend periods follow this pattern of dates. The dividend declaration date is the ending date of a dividend period, such as March 31. Dividend rates on certificates will be in effect until the maturity date. 12 month MoneyWise certificate will be converted to a regular 12 month certificate on the maturity date immediately following the 18th birthday of the primary member. Additional deposits may be made throughout the term of the MoneyWise certificate.

Members ages 13-17 are eligible to open a MoneyWise Teen Checking account with a parent as a legal owner on the account.
 

MoneyWise Checking

Effective June 1, 2021 (rates subject to change)
Minimum Opening Deposit Dividend Rate Annual Percentage Yield (APY)*
MoneyWise Checking $5 0.00% 0.00%

APY = Annual Percentage Yield. All rates subject to change monthly. Service charges may reduce earnings.

MoneyWise Checking comes with free digital banking, eStatements, Bill Pay & Debit Card. Mobile Pay is restricted and Overdraft Privilege is not available. There is no monthly minimum balance. Debit Card will earn 1 point/ $5 spent, which can be redeemed for merchandise, travel, gift cards or cash back.


The MoneyWise Primary Share, Money Market and Teen Checking accounts will convert to the terms of a regular Share Account, Money Market and Value Checking when the primary member becomes 18 years old.  12-month MoneyWise certificate will be converted to a regular 12-month certificate on the maturity date immediately following the 18th birthday of the primary member.
 
Dividend information: Dividends are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends: Dividends will begin to accrue on the business day you deposit non-cash items (ie: checks) to your account. Nature of dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. If you close your account before dividends are paid, you will receive the accrued dividends. Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. These are prospective dividend rates and anticipated APY for the current dividend period and may change at any time without limitations as determined by the Board of Directors.

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**Money for match must be deposited at time of account opening. TruStone will match up to $10 of the total funds deposited. MoneyWise accounts are available to those under 18 years of age. Allow up to 30 days for funds to be deposited. Accounts closed within six months may forfeit funds. Offer subject to change.