Youth Accounts

TCCU IS PROUD TO ANNOUNCE “MY FIRST NEST EGG”

MY fIRST nEST eGG FOR kIDS 3 TO 13

My First Nest Egg is an award-winning digital financial education system for kids, ages 3-13 that provides free resources to its members. This new program empowers families to instill healthy financial habits in their young children through a fun and educational platform.We believe in starting healthy financial habits early, and our app is the perfect tool to make learning about money enjoyable for kids. Here's a glimpse of what your child can explore:

A digital piggy bank for easy savings.

Financial lessons and quizzes based on national standards.

Fun chore and allowance games.

Exclusive Offer for You:

We're offering you a FREE subscription, courtesy of Torrance Community Credit Union—a $40/yr value! Simply use code MyTCCU$ to get started.

Unlock the New My First Nest Egg Experience Torrance - My First Nest Egg

Empower your child with essential financial skills in a fun and interactive way. Let's make 2024 a year of financial growth and success for your family!

Young Adults

Eighteen to Twenty-Somethings

If you're just starting out, you're going to need a few tools like a checking account and a savings account. And you will need a debit card, too. We still offer checking accounts with no monthly fee. If you want to establish your credit, come see us. Not only can you apply for one of the best credit card rates around, but our loan officers will guide you through how to take care of it, what it means to have good credit and how to build your score. Bad credit can be expensive, but good credit can open doors for you, like first apartment doors! If you are ready to get your life started, stop by the credit union. Let us help you set yourself up for success. 

Whether you're starting college, starting a business, or just starting to think about what to do next, we have the tools and resources to help you every step of the way. Balance Financial Fitness is our "How to" place for life management. Find articles, videos, blogs, workshops, webinars, and even financial counseling. Below is this month's featured article:

What Are Your Financial Goals?

If you had to choose between sitting down at the kitchen table and setting goals or sitting on the beach in the Caribbean, you would probably choose the beach. But how would you pay for the airfare? Hotel? Food? Souvenirs?

Goal setting in and of itself may not be exciting and fun, but it helps you to save for and achieve exciting and fun things, as well as things that may not be as exhilarating but are still pretty important (such as having enough money for retirement or a child's college education). You could just wait and see what is left over at the end of the month after you pay your bills, but since it is easy to get in the habit of spending what you make, you may wind up having no savings if you take this approach.

Claim Your Youth

Twelve to Seventeen-year-olds

For students 12 and older, TCCU has a beneficial program to teach teens about the world of finance. Get info on a variety of financial topics, including budgeting, getting a job, buying your first car, and college. Read articles written by and for teens.

Features of our teen financial program include:

• Savings account with $5 deposit requirement

• Teen's and Kid's CDs with lower minimum deposits

• Quarterly statements

• Newsletters

• Claim Your Youth Website Access

Joining is free. A minimum $5 deposit is required to open a new youth account. And anyone who joins Claim Your Youth can remain a member of the credit union for life, no matter where they live or work (as long as they maintain membership in good standing).

Help your children take their first step toward financial independence and responsibility. Call the credit union today to open a teen account for your child and assure their financial well-being tomorrow.

Kids Club Accounts

Resources for Children up to 12 Years of Age

Kirby Kangaroo Club is Here!

Kirby loves to learn, especially when it’s fun! Savings tips, entrepreneurial ideas, and help from a local credit union can show everyone the benefit of being a responsible Kirby Kid. You might even be able to teach mom and dad a few things soon.

Kids Club Accounts

Start teaching your children early about saving money with our Kids Club and Teen Club Certificates. Open a 6-month CD for as little as $250. Kids Club 0 to 12 years old, Teens Club 13 to 17 years old. 

As of April 25, 2024.

$250.00 minimum deposit

*APR=Annual Percentage Rate.

Indie Money Teen Account

Financial independence begins with a job. But then what? Get real hands-on 
experience with real-world financial products with extra guidance to help you
navigate the financial work with knowledge and confidence.

Indie Money is specifically designed for 16- and 17-year-old members.
The program includes:

• Regular savings account

• Options for checking and Visa Debit Cards

• Mastercard (parent may co-sign but not required)

• Auto loans (co-signer is required)

• Signature loans (parent may co-sign but not required)

Start with low limits, parental consent, and closely monitored accounts. 
Indie Money is for young people who are ready to take their financial experience 
to the next level. 

All potential Indie Money loan applicants must have income.   

If you're ready to get started now, fill out the parent consent form and come to the credit union.