It's never too early to start

REGIONAL believes that financial education plays a vital role in future success. The best time to learn financial responsibility is while still young, before the decisions and responsibilities of adulthood start. That’s why we offer a full line of youth-oriented financial products and programs.

Head Start Youth Certificate of Deposit

The Head Start Youth CD is available to young members through high school graduation, with a low $25 minimum to open, a short six-month term, a higher interest rate than our six-month certificate, and the ability to deposit to the certificate in $25 increments at any time. Since Head Start is an educational certificate, there are no withdrawals before the CD matures.

With the Head Start Youth CD, REGIONAL helps introduce young people to concepts of long-term saving, getting into the habit of saving regularly, and balancing short and long-term goals with regards to availability of funds versus higher returns on their money.

  • $25 minimum to open
  • 6-month term
  • Deposit to CD in $25 increments at any time
  • $1,000 maximum total deposit
  • Available to members through high school graduation
  • Limit one per youth member

Head Start Certificate Special Offer

Open with $25, we'll add $25!

Give the gift of membership! Now through December 31, 2021, when you open a Head Start Youth Certificate of Deposit for a new youth member, REGIONAL will add another $25 to the opening deposit.*

*Offer available to new youth members only. Must open Regular Savings to open Head Start Youth Certificate of Deposit. Minimum opening deposit $25. Maximum total deposits $1,000. REGIONAL will deposit $25 into new Certificate on opening. Checking available for members ages 14 and up. Limit one Head Start Certificate per youth member. Ask a Member Service Representative for full details.

Dollar Dog Kids Club

The Dollar Dog Kids Club for members ages 12 and under is a great way to help kids learn about the importance of saving, earning and even investing money.

  • For members 12 and under
  • Official Club Membership Card
  • Special prizes for saving
  • Free Online Banking, Mobile Banking and eStatements
  • Head Start Youth Certificate available
  • Special birthday card
  • Coin Saver booklet

Next Generation

Next Generation is our program for young members age 13 through high school graduation. Next Generation stresses financial responsibility and the importance of saving money to reach your goals.

  • For members age 13 through high school graduation
  • Checking and Debit Card available for members age 14 and older
  • Free Online Banking, Mobile Banking and eStatements
  • No minimum balance
  • Head Start Youth Certificate available
  • Special birthday card

Student Credit Union

REGIONAL operates 13 in-school Student Credit Union branches to help young people learn vital money-management skills, while also giving them a convenient way to deposit and withdraw from their savings accounts right at school. We encourage student members to deposit regularly, even in small amounts, and to set short and long-term savings goals.

Student Credit Union branches are staffed by student-members from each school; student team members gain experience with cash handling, professionalism and confidentiality. Student members age 14 and older may open a Free Checking account with a Visa™ Debit Card, and direct deposit is available for those whose employers offer this benefit.

Next Generation Scholarship

The Next Generation Scholarship consists of two $500 scholarship awarded annually to two high school seniors chosen by REGIONAL. Entrants must be attending college or a trade school after graduation and must submit a short essay on a topic chosen by the credit union. For more information, contact Bobbie Escalante at 219-989-7206 or

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