Smart Start Checking

Open a Smart Start checking account today and start paying bills online, earning rewards points with your debit card, free mobile apps, and much more.

Smart Start Checking is the perfect free account for teens and young adults.

Apply for Membership

Smart Start Checking with Visa Debit

Receive a free Visa Debit card when you open a Smart Start checking account to use everywhere Visa is accepted. Set up direct deposit with your employer and begin experiencing the benefits of a Smart Start checking account.

First-Time Auto Buyer

You’re in the driver’s seat with your education and your first auto loan. We’ll get you the best rate possible for your new ride to school, even if you don’t have an established credit history. Get pre-approved online or at any branch for free today.

Learn more about our first-time auto buyer program

Savings

Save for a raining day with a traditional savings account or a term savings account. Open and maintaing a savings account with as little as $5. Open a Flex 12-month deposit account for:

  • Earn dividends on funds
  • Add money at any time
  • No monthly service fees
  • NCUA Insurance

Learn more:

Traditional Savings Account Term Deposit Accounts

Students under age 18 will need a parent and/or qualified joint owner on the account.