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Smart Spending Starts Young

Youth and Students

Start building financial confidence early for tots, teens, and young adults.
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Banking That Works for Your Family

At 3Rivers, we believe every child deserves banking that grows with them. From your newborn's first savings to your teenager's first job, we've designed accounts, programs, and financial education articles that make money management engaging and rewarding. 

Choose Your Starting Point

Accounts That Grow With Your Child

From early financial education and smart spending to first jobs, college planning, and student loans, 3Rivers offers trusted guidance for every stage of a young member’s financial journey.
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CUB Reward Program

  • Reward-focused savings program for children from birth to the 5th grade 
  • Receive 1 stamp for every $15+ deposit; 10 stamps = Savings Sam lion plush toy 
  • Earn $5 per "A" grade (max $20/school year) 
  • Teaches delayed gratification linked to academic success 
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Simply Free Spending

  • No monthly maintenance fees
  • Mastercard® debit card with EMV chip and tap-to-pay technology
  • Free digital banking—manage accounts anytime, anywhere
  • Unlimited bill pay for convenient, secure payment management
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Cash Back Checking

  • Earn up to $10 a month by using your 3Rivers debit card
  • Waived non-3Rivers ATM fees for cardholders 
  • Access your account anytime with digital banking  
  • Pay bills easily with online or mobile bill pay 
  • $5 monthly maintenance fee waived with eStatements and 10+ transactions 
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Livin' Free Savings

  • Earn more on balances up to $500; consistent through age 25 
  • Zero monthly fees; no hidden costs or penalties 
  • NCUA-insured deposits up to $250,000 for complete security 
  • Daily dividend calculation, credited monthly automatically 
  • Unlimited deposits and withdrawals with no penalties 
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Student Guidance for the Future

  • Free financial wellness planning tools
  • Dedicated expert advisors
  • Free FASFA completion assistance and guidance
  • Access 3Rivers scholarship program and application resources
Explore Student Guidance
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Education Articles

Our educational articles give youth, teens, students, and parents practical tips and guidance to build strong financial wellness together. Topics include:

  • Budgeting & planning
  • College or trade school preparation
  • Investing young
  • Credit scores
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Standard Protections & Tools

What Comes With Every Youth Account

All 3Rivers youth accounts include the foundation for financial confidence, safety, and independence as your child learns.

NCUA Federal Insurance

Deposits federally insured by NCUA up to $250,000.

Mastercard® Debit Card

Secure card for worldwide purchases with fraud alerts.

Free Mobile & Online Banking

Manage accounts 24/7 from any device; real-time access.

Parental Oversight Tools

Monitor activity and guide spending as child grows independent.

Financial Education

Access guides and tools supporting money management skills.

Member Discounts & Benefits

Exclusive member perks available to you and your family.
Indiana's 529 Tax Advantages Available to Any U.S. Citizen

Start Saving for College Today

Open a 529 plan for as little as $25 and make contributions anytime. Indiana residents can earn state tax credits while saving for education goals.
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Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.
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Visit a Branch

Stop by any of our 24+ locations.
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Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
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