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Youth Accounts

Lanco Federal Credit Union offers several types of accounts, and a variety of incentives, to encourage kids and teens to save on a regular basis. This is a great opportunity for parents to partner with Lanco FCU to teach their children about financial responsibility and the value of saving for their future!

Savings Accounts

Share Savings Accounts

To open a Lanco FCU membership for your child, all you need is a $5.00 deposit to keep in the child's Share Savings account. There is no monthly fee, and accounts with balances of $25.00 or more earn dividends. With this account, your child can maintain Lanco FCU membership into adulthood, giving them access to all of the benefits Lanco FCU membership offers.

Hang Ten Savings

Hang Ten is a long-term savings program designed to encourage youth to save consistently to better prepare them for financial responsibility in adulthood. Each month that you deposit at least $10.00 into a Hang Ten account, Lanco FCU will deposit $1.00.

Youth Certificates

With Certificates (often called "Certificates of Deposit" or "CDs"), you will earn a higher dividend rate because your funds are deposited for a fixed period of time. Once a Certificate is opened, additional deposits cannot be made and early withdrawals will incur penalties.

Lanco FCU offers the following Youth Certificates:

Click here for current certificate rates

Report Card Rewards

Your child can earn extra savings by redeeming their good grades for dollars!

Students in grades K-12 can earn $1.00 for each “A” (or equivalent), up to $5.00 per marking period, to be deposited into the child's Lanco FCU savings account.

Maximize the rewards earned even further by depositing them into a Hang Ten savings account. Report card rewards deposited in Hang Ten will count toward the monthly $10.00 contribution!

Teen Checking

Lanco FCU’s free Kasasa Tunes® checking with rewards is the perfect account for high school and college students. There’s no minimum balance, it’s always free, and best of all—it lets you earn rewards like refunds on iTunes®, Google Play® or Amazon.com® purchases and refunds on ATM fees!³

You can introduce your child to using a checking account as early as age 13. It’s simple to start with Lanco FCU’s free Kasasa® checking. There’s no minimum balance requirement, no monthly fee, and best of all—your child can earn rewards like free song downloads and ATM fee refunds! 

Click here to learn more about Kasasa checking.

Visa Debit Card

When your teen gets his or her first debit card, it can be a very exciting experience. It’s also a great time to teach lessons about responsible spending and account management.

Start a Lanco FCU membership for your child

Credit union membership is an excellent choice for starting your child's savings or checking account and leading them to financial independence!

To open an account for your child, please visit any Lanco FCU branch with the following:

If you have any questions about membership, please call us at (717) 569-7180 or (888) 318-4222.

¹ Hang Ten Savings: If the child fails to complete the financial counseling program within 90 days of his or her 18th birthday, Lanco FCU's contributions will be forfeited and the remaining Hang Ten account balance will be transferred to the child's Share Savings account (Trailer 00). The Hang Ten account will be closed. Additional terms and conditions apply. Ask a Lanco FCU member services representative for details.

² Youth Certificates: The opening balance of Kid's and Teen's Certificates must be less than $500.00 to earn the rate advertised. Only one Kid's or Teen's Certificate allowed per account. Additional certificates and certificates with opening balances of $500.00 or more will earn the rate of regular certificates.

³ Kasasa Checking: Account approval, qualifications, limits, timeframes, and other requirements apply. iTunes, Google, and Amazon are not participants or sponsors of this program. Click here for more details.