Youth Accounts

Premier Members CU offers several youth programs and products geared towards our younger members. They were created to both educate and help parents educate their children about how to manage their finances prior to high school graduation.

Earn Big Free Checking

Gone are the days of working for your checking account. Our new Earn Big Free Checking account puts the power back in your wallet. Where it should be. We want to reward you for the things you do every day, like using your debit card and having direct deposit. Plus, with this new account we make having eStatements even greener (with that extra green in your pocket…see what we did there?) Each month, you’ll qualify to Earn Big when you meet the following criteria1:

  • Have a direct deposit of at least $500#
  • Be enrolled in eStatements
  • Use your debit card at least 25 times with your signature (insert card and choose to sign instead of entering a PIN)

And that’s it. Once you hit that, you’ll earn 4% APY* on your first $2,000!

Here’s how the rate works:

Earn Big Free Checking APY* Range Dividend Rate
$0-$2,000 4.00% 3.93%
$2000.01 – $5,000 2.49% to 4.00% 1.49%
$5000.01 – $10,000 1.62% to 2.49% 0.75%
$10,000.01 – $50,000 0.72% to 1.62% 0.50%
$50,000.01 – $100,000 0.56% to 0.72% 0.40%
$100,000.01 – $250,000 0.44% to 0.56% 0.35%
$250,000.01 and above 0.30% to 0.44% 0.30%

Calculate your Earnings in One Year

Earn Big Free Checking Earnings Calculator

Deposit range is $0–$99,999,999

Distribution Breakdown
Tiers APY
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This calculator is for illustrative purposes only and does not reflect the actual results of any specific deposit amount.

Should you find yourself unable to meet the monthly criteria, no worries! You’ll still earn 0.05% APY on your entire checking balance and you reset for the next month.

ONLINE BANKING

Access your accounts anytime and almost anywhere with free online banking. With online banking you can check balances, transfer funds, view history and even pay your bills online, all for free!

#Qualifying Direct Deposit of your payroll or benefit must be a cumulative amount equal to or greater than $500 per month. In order to receive eStatements you must agree to the Terms and Conditions; eStatements are viewable within online banking. 25 signature based transactions are Visa Debit Card transactions that post to your checking account during the qualification period where a PIN # was not used at the point/terminal of purchase. ATM transactions do not qualify. 1The qualification period is from 12:00:00 am MST on the 1st of the month to 11:59:59 MST the last day of each month. You must be enrolled in eStatements by 2:00 PM MST on the last day of the month to qualify as receiving estatements.  You must meet all criteria to earn tiered rates; If all criteria is not met you will earn 0.05% APY based on your average daily balance in the period.  At the end of the qualification period if all criteria are met, a blended rate dividend is paid based on the average daily balance on your account. Dividends are paid at tier rates on balances within each tier.  Total dividends paid is the sum from each tier. *APY = Annual Percentage Yield.  Rates are valid as of 05/07/2018 and are subject to change at any time without notice.  Only Consumer checking accounts are eligible. These qualifications and rates do not apply to business or other checking products offered by Premier Members Credit Union. All dividends earned on this product will be reported on applicable tax documents including 1099-INT.

VISA Debit/Check Card

Get cash or make purchases around the world with a Premier Members Visa Debit/Check card. With access to a nationwide network of surcharge-free ATMs you’ll save money with our debit cards.

Instant Issue Debit Card Program

Instant issue debit cards allow members to open a checking account and receive their card the same day; ready to use at the ATM, stores, and businesses. Enjoy the benefits:

  • No more waiting 10 or more days for your debit card and PIN
  • Convenience of having immediate access to your funds with your debit card
  • If card is lost or stolen, new replacement cards are available in minutes
  • Security of having your debit card and PIN in hand before you leave the branch

Debit Cards must be printed in-person and are available at all branches.

Chip Technology is now at Premier Members Credit Union

Premier Members Credit Union is committed to protecting your security and account information. That’s why we’ve added chip technology to our Visa debit and credit cards. With chip technology, you have added security and greater acceptance worldwide.

Learn More

Open an Account

Stop in at any of our branch locations to open your account or open an online account. Parental involvement is required to open an account.

Youth Savings

Choose an account that fits your age.

Rags To Riches Savings Club (Ages 12 and Under)

The Rags to Riches Savings Club is designed for children 13 and under in order to provide the practical knowledge and hands-on experience of saving and money management with parent involvement.

Rags to Riches Story

RAGS is a lovable pup from the magical land of Riches Galore, who is always itching to spend his hard earned money. Along with all of the Rags to Riches Club members, RAGS is learning the importance of saving and spending wisely.

Youth Educated Savers (Age 14 – 17)

Our Young Educated Savers Club is designed for teens ages 14 to 17 in order to provide the practical knowledge and hands-on experience of saving and money management. Premier Members CU offers the financial tools and opportunities that you’re looking for, along with the information you need to build a strong foundation of financial independence.

In addition to opening a savings and checking account, you have access to auto loans for your first vehicle as well as Educational Student Credit Cards, so that you might begin to establish and learn about credit in a responsible manner with parental involvement.

At this age, our Student Credit Union program may also be available to you, click on Student Credit Unions for more information.

Current Youth Savings Rates