Stable Start Youth Accounts
Growing with your family every step of the way.
Every child has milestones worth celebrating. From their first savings account to their first paycheck and beyond, the Stable Start Youth Accounts program is designed to help young members build healthy financial habits that last a lifetime.
Inspired by Kentucky's rich horse racing tradition, Stable Start grows alongside your child through three age-based stages, offering financial education, rewards, and opportunities that make learning about money engaging and fun.
Whether they're saving birthday money, opening their first checking account, or preparing for life after graduation, Metro Plus Credit Union is here to help them every step of the way.
Open a Stable Start Youth Account today and start building a strong financial future.
Three Stages. One Financial Journey.
🐴 Paddock Club
Ages 0 - 12
Build the habit of saving early.
Every champion starts somewhere. The Paddock Club introduces children to the basics of saving through age-appropriate rewards, encouragement, and educational tools that help make saving fun.
Members may enjoy opportunities such as:
- Youth Starter Savings CD*
- Birthday Winner's Circle Reward*
- First Account Winner Bonus
- Paddock Club Learning Kit
- Beginner activities and goal trackers
- Parent resources for teaching smart money habits
🏇 Starting Gate Club
Ages 13 - 17
Manage money with confidence.
As teens gain more independence, the Starting Gate Club helps them develop real-world money management skills. From opening a first checking account to learning budgeting basics, members gain practical experience with the support of Metro Plus.
Members may enjoy opportunities such as:
- First Checking Account Bonus*
- Debit Card Rewards*
- Round Up Savings
- Teen Derby Savings CD
- Birthday Winner's Circle Reward*
- Budgeting and financial education tools
- Debit card safety and fraud prevention resources
🏆 Homestretch Club
Ages 18 - 24
Finish strong and build your future.
Young adulthood brings exciting milestones and important financial decisions. The Homestretch Club provides tools and incentives to help members build credit, save for major goals, and prepare for financial independence.
Members may enjoy opportunities such as:
- Young Adult Stakes CD*
- Credit Builder Incentives*
- Graduation Rewards*
- Financial planning resources
- Credit score education
- First apartment and budgeting guides
- Digital banking tools and resources
Details
- No monthly maintenance fees
- Teach them about making a savings plan
- Monitor their savings and spending habits
- Pay Kids For A’s Program - Kids receive $2 for every “A” or equivalent on their report card for core classes.*
- *Not to exceed $10 per report card. Can submit 4 current report cards during a calendar year.
Share Savings Account
- $25 initial deposit
- Serves as their primary Metro Plus Credit Union account
- Earn dividends on the average daily balance
- Dividends are credited quarterly to maximize return
Youth Certificates
- Open with as little as $100.
- 2-year term
- Earns a higher APY than our traditional 2-year term
- Ages 0 to 17
- Dividends are credited and compounded monthly
Youth Checking
- No minimum to open
- Age 13 or older; accompanied by a parent or legal guardian eligible
- Helping you earn and save more.
Open an Account
*Stable Start Youth Accounts are subject to membership eligibility requirements. Program benefits, rewards, incentives, and account features vary by age group and are subject to qualification requirements. Certain rewards may require verification and may be limited. Certificate accounts are subject to applicable rates, terms, minimum deposit requirements, and early withdrawal penalties. APY = Annual Percentage Yield. Credit products are subject to approval. Rewards and incentives may be considered taxable income. Metro Plus Credit Union reserves the right to modify or discontinue the Stable Start Youth Accounts program or any promotional offer at any time. See the credit union for complete account disclosures and program details. Federally insured by NCUA.