Youth Checking Accounts for Tulsa Families

At Oklahoma Central Credit Union (OCCU), we are dedicated to helping Tulsa families improve financial literacy through specialized youth savings products. Our Kids Club and Varsity Club accounts are designed to grow alongside your child, providing the tools and incentives they need at every developmental milestone.

Tailored Accounts for Every Stage of Childhood

Financial needs change as a child grows. A toddler saving birthday money has different requirements than a high school senior saving for their first car. That is why we offer two distinct tiers of youth savings:

1. Kids Club Savings (Ages 0–12)

It is never too early to start the conversation about money. For our youngest members, the Kids Club Savings Account turns the abstract concept of "saving" into a tangible, rewarding experience.

• High-Yield Growth: To jumpstart their savings, we offer a competitive 3.00% APY* on balances between $0.00 and $999.99.
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• No Monthly Fees: We believe every penny should stay in your child’s pocket. With no monthly maintenance fees, their balance only goes in one direction: up.
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• Educational Integration: Members gain access to free financial capability lessons designed to make learning about interest and deposits fun and engaging.
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2. Varsity Club Savings (Ages 13–17)

As children enter their teenage years, the stakes get higher. Whether they are earning money from a part-time job or managing an allowance, the Varsity Club Savings Account provides the structure they need.

• Preparation for Independence: This account mirrors the benefits of the Kids Club, including the 3.00% APY* on the first $999.99, but focuses on more mature financial concepts.
• Seamless Transitions: The Varsity Club is an excellent bridge for teens who are preparing to manage their own finances at local institutions like Tulsa Tech or Tulsa Community College (TCC). It teaches them how to navigate digital banking and monitor their growth over time.
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Safety and Security: A Parent’s Peace of Mind

We understand that giving a child access to a financial account can feel like a big step. That is why OCCU youth accounts include robust safety features and parental controls to ensure the experience is both educational and secure.

• Parental Monitoring and Co-Ownership: Parents can be listed as joint owners, allowing them to seamlessly monitor account activity through our mobile app or online banking. This creates a "teachable moment" where you can review monthly statements together, spot fraudulent activity, and discuss spending vs. saving habits.
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• Direct Deposit and Real-Time Alerts: Teens can set up direct deposit for their first jobs, and parents can receive real-time alerts for any transactions. This transparency ensures that mistakes are caught early and turned into lessons rather than financial setbacks.
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• Overdraft Protection: By linking a youth savings account to other family accounts, you can ensure that transactions are covered without the stress of declined cards or unexpected fees.
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The "Banzai" Reward: Earning While Learning

At Oklahoma Central Credit Union, we don’t just talk about financial literacy; we reward it. We have partnered with Banzai, a premium interactive platform that uses "choose-your-own-adventure" style games to teach personal finance.

Once enrolled in a youth account, your child can complete a Banzai course tailored to their age group. These courses cover everything from identifying coins to understanding how taxes impact a paycheck.

The $25 Bonus: After completing a Banzai course, your child will receive a certificate of completion. Bring that certificate into any of our 8 Tulsa-area branches, and we will deposit $25 directly into their Kids Club or Varsity Club account! It is our way of celebrating their commitment to their own financial future.

Why Savings Matter in Today’s Economy

In an era of digital payments and "buy now, pay later" schemes, teaching the value of a dollar is more critical than ever. A youth savings account provides the hands-on experience necessary to understand key financial concepts like compound interest, routing numbers, and liquidity.

When a teen tracks their income and expenses, they become more mindful of their choices. They learn that saving for a $500 goal requires discipline and consistency skills that translate directly to future success in college and beyond.

At OCCU, we are proud to be a partner in your child's journey. By opening a youth savings account today, you are investing in a more financially secure tomorrow for the entire Tulsa community.

Ready to get started? Visit one of our branches or apply online today to open your child's first account at Oklahoma Central Credit Union.

*APY - Annual Percentage Yield effective 04/01/26. A $5 minimum balance is required to open the account. 3.00% APY is earned on all balances up to $999.99—no minimum balance required to earn APY. Dividends are compounded quarterly and stated rates may change after account opening. Fees could reduce earnings. Membership conditions may apply.

†With adult authorization.

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