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.

Student Credit Union Program

REGIONAL operates Student Credit Union branches at ten schools in Northwest Indiana. Learn more about the program on the Student Credit Union page.

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

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.


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
  • Debit Card is compatible with Apple Pay and Google Pay
  • Free Online Banking, Mobile Banking and eStatements
  • No minimum balance
  • Head Start Youth Certificate available
  • Special birthday card

Open Next Generation Account

Next Generation Scholarship

The Next Generation Scholarship is a $500 scholarship awarded annually to two high school students chosen by REGIONAL. Entrants must submit a short essay on a topic chosen by the credit union. For more information, contact Tia Hayes at 219-989-7206 or The submission period for 2024 is now closed.


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