Programs for Youth and Young Adults
We’re here for the whole journey.
At any age, you and your family can come to us for support with your financial goals. That’s why we’re committed to not only serving you with savings, loans, and access to your accounts, but also educating and empowering you at all of life’s stages.
With our savings opportunities, free financial wellness resources, and programs from youth to adulthood, you can count on Visions to help build your financial understanding and confidence at all stages in your financial journey.
KIRBY ACCOUNT
Did you know you could open a Visions account for your child the day you get their Social Security number? They’d become part of the Kirby Kangaroo Club for members who are ages 12 and under.
Members with a Kirby account automatically have a primary share – like all members! – and any parents/guardians who are joint on the account can open additional shares or share certificates, making these ideal for building your child’s savings and teaching them to save. Kirby Kangaroo, our youth program mascot, helps to encourage savings, too, by providing financial education and fun incentives. Ages 12 and under can enjoy:
- Free gifts each time they visit a local branch and make a $5 deposit to their savings
- Birthday mailings they can return for opportunities to enter our monthly prize drawing
- Quarterly newsletters full of games, jokes, and stories with financial lessons
- Free online portals with resources for parents and education for children
New members can also receive welcome gifts for joining our Kirby Kangaroo Club – or even get a $25 bonus and the chance to win cash prizes during Youth Month! Click here for details.
FOCUS ACCOUNT
After Kirby, members transition into our Future Program, which consists of the Focus account for ages 13-17 and Forward account for ages 18-25.
Learning and practicing healthy financial habits early is essential for transitioning into adulthood with financial confidence. When given the resources and opportunity, people can develop the foundations of those habits as young as age 13. That’s where our Focus account comes in.
Featured products and services for ages 13-17 include:
- Flex Checking with no monthly fees and a complimentary Visa® debit card to start budgeting, making payments, and tracking their expenses
- Savings Milestone Contest* providing extra incentive to save money for the chance to win cash prizes
- Youth Share Certificate with a 12-month term and minimum deposit of just $25 to encourage long-term savings habits with dividends
- Quarterly Focus emails offering tips for joint owners to support their young adults on the journey to financial wellness
- Zogo gamified learning that rewards financial literacy with real world prizes like gift cards!
Throughout August, new members ages 17 and under can also qualify for our Youth Month special – including a $25 cash bonus and prize drawing! Click here for details.
FORWARD ACCOUNT
Until a member reaches age 18, most of their big financial decisions require a parent or guardian. Our Future account for ages 18-25 supports the transition toward financial independence and celebrates a major milestone for many young adults – buying their first car.
At this age, members can apply for any of our products and services without a cosigner or parent’s approval: digital banking, credit cards, personal loans, auto loans, mortgages, share certificates, and business accounts. Plus, a couple of opportunities are available exclusively for ages 18-25:
- The Budget Saver is a unique savings account for seasonal budgeting – perfect for seasonal workers and college students! Choose from two disbursement options:
3-Month – Contribute to your savings for nine months, followed by monthly automated disbursements on the first day of December, January, and February
9-Months – Contribute to your savings for the summer months, followed by monthly automated disbursements from September through May - $50 First Auto Loan Bonus**: When you get your first Auto Loan with Visions, you could enjoy a $50 cash bonus on us!
For a limited time, we’re also offering a $25 new member bonus for ages 18-25! To get this cash bonus, you simply need to be in this age range, eligible for membership, and join Visions by August 31st. Click here for details.
Get started online, in person, or over the phone at 800.242.2120.
...and beyond!
You’ll never “age out” of our support. We’re here to usher you into adulthood, through college and careers, retirement, your golden years, and can even offer guidance as you plan your legacy.
Need support? Use the links below or call us at 800.242.2120.
Want to make financial wellness even more fun and accessible?
Play Zogo, where progress is rewarded with real-world prizes like gift cards to the places you love!
For all program offers and bonus opportunities, membership is required with $1 minimum deposits. Certain membership eligibility details apply; ask for details or visit visionsfcu.org/join. Offers are subject to change or expire at any time.
*Savings Milestone Contest details at visionsfcu.org/focus.
**Auto Loan Bonus details at visionsfcu.org/forward.
***Forward Account Bonus: Must be age 18-25 at time of account opening. Only one bonus will be given per qualifying new member, regardless of number of accounts opened. $25 bonus will be deposited to primary savings of new member within 10 business days of account opening. May not be combined with other membership coupons. Bonus is reportable for tax purposes. Offer valid 06/01/2025-08/31/2025.
This article first appeared in MoneyMatters Magazine. Click here to continue reading our current publication.
