The Future Is Yours

Open their savings account to get started!

Good saving habits start early and last a lifetime. To help with that, we have three youth accounts – our Sandy Saver Account, Student Checking, and College Saver CD. If you open any one of these accounts during the month of April, your child will be entered into a drawing for a chance to win $250.

Free Gift When They Open Their Account

Treasure Chest All new members 17 and under will receive $1 to fund the initial deposit into their new primary savings account. Our youngest new members age 12 and under, will receive a special gift upon opening their account in a branch and receive double punches on their Sandy Saver Card, for every minimum $10 deposits in the month of April. (One deposit per day and no transfers between accounts). Teens age 13 – 17 will receive a complimentary custom debit card for each New student checking opened.

Don’t wait! This offer expires April 30, 2024. Select the account you would like to open for your child below and complete the online application to get started.

Sandy Saver Account (0-12 years old)

Sandy Saver Kids Account

For kids 0-12 years old

Our Sandy Saver Kids Club Account is just for kids 0-12 years old. It is the perfect first savings account to start teaching your child how to save money. With their new account, they will receive a stamp card where they will receive a stamp for every $10 deposit they make. Once they have the card filled up, they can pick a prize from our treasure chest. Open your child’s savings account by clicking the Get Started button.

Get Started

Student Checking (13-17 years old)

Student Checking Account

For teens 13-17 years old

Our Student Checking Account is just for members 13 – 17 years old. It gives your teen the chance to gain the financial independence they’ve been looking for, while also learning about finances and how to budget. They will get their own debit card and access to online banking (which parents will be able to monitor). You can open their checking account online by clicking the Get Started button.

Get Started

College Saver CD (0-17 years old)

College Saver CD

For all minors 0-17 years old

Our College Saver CD is the perfect account for saving for your child’s future education expenses. Your child must be 17 years old or younger and the opening deposit is $25. This account is different than your typical savings account, because it earns more dividends. The CD will automatically renew every 12 months until your child turns 18. To open a College Saver CD, complete the online form below.

Last three digits of Parent or Guardian member/account number * Required
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Minor's Full Name * Required
Minor's Social Security Number * Required
Minor's Birth Date * Required
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Minor's Address (If Different from Parent or Guardian opening account)
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code
Minor's Email (if they don't have one, we will use Parent or Guardian's email)
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free teaching resources
Youth Month is all about teaching kids how to save money, spend responsibly, and budget for the future. We’ve provided some free resources for you to teach your kids all about financial literacy.

Elementary (K-5)
Middle School (6-8)
High School (9-12)

Elementary (K-5)

Elementary School: The Basics

It’s never too early to foster financial literacy in children. Elementary school is a great place to teach children the basics of exchanging money for goods and services. Teaching elementary age school children about money can be fun. Many educators incorporate games into lesson plans about money. This leads to open discussions and demonstrations about saving, spending and sharing money.

Earning & Spending Money – These activities for the very young include simple but important lessons like recognizing different coins and understanding what they’re worth.

Coins For Money – Download this free game for your students to learn how to recognize and count money $1 and under.

Money Booklets – Download these free printout booklets to introduce and review coins with your students.

Bank It! – Use this game to teach your students how to add and how probability works.

Peter Pig’s Money Counter – In this interactive game, kids practice identifying, counting and saving money while learning fun facts about U.S. currency.

Middle School (6-8)

Middle School: Money Management

As children move into middle school, they are more familiar with the concept of money management. It is time to begin molding and shaping their perception of money and responsible financial management. As youngsters become more independent in middle school, they are ready to learn how to apply some of the concepts they have learned about money. This is a good time for them to learn about banking and balancing a checkbook.

Writing Checks – Use these check print outs to teach your students how to write a check.

Financial Football – Give your brain a Financial Football workout — play the NFL-themed video game developed by Visa.

Financial Soccer – Put your financial skills to the test with Visa’s World Cup-themed Financial Soccer, a multiple choice question video game. Are you ready to play?

High School (9-12)

High School: Real-World Lessons

High school students are preparing to embark on real-world journeys, financial and otherwise. They are starting to make choices that will affect their future, and it is critical to instill responsible money management skills. With more advanced lessons on budgeting and bill paying, high school students have a better chance of becoming financially independent.

Balancing a Checkbook – Many high school students will soon start working their first jobs, so it is important for them to learn the difference between gross and net pay. They are learning to drive and preparing for college as they move closer to independence. It is a good time for them to practice budgeting successfully with take-home pay through classroom activities that can be reinforced at home.

Making a Budget – Information provided on topics such as: What is a budget? Why do I want a budget? How do I start a budget? How do I make a budget? How do I use a budget?

How to Read a Credit Report – Teach your students what a credit score is and how they can make sure that theirs is a good one.

Disclosure:All GCEFCU youth accounts opened between April 1, 2024 – April 30, 2024 will be entered into a drawing to win $250. The $250 prize will be awarded in the form of a College Saver CD. If the child does not currently have a GCEFCU College Saver CD, one will be opened for them with the $250 deposit. Child must meet GCEFCU eligibility requirements and be 17 years old or younger as of April 30, 2024. Winner will be randomly drawn on May 1, 2024.

New GCEFCU members age 17 and younger who open their membership between 04/01/2024 and 04/30/2024 will have their initial $1 deposited into their primary savings account on behalf of GCEFCU. Sandy Saver members (age 0-12) who deposit a minimum of $10 into their savings account between 04/01/2024 and 04/30/2024 will receive double stamps on their Sandy Saver Rewards Card. Deposits must be made in person at a branch. Limit of two stamps per day. Student Checking accounts opened between 04/01/2024 and 04/30/2024 will receive a complimentary custom debit card, valued at $7.95. This offer is valid while supplies last. GCEFCU reserves the right to cancel this promotion at any time, for any reason.

Youth Month

Prepare Them For The Future