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Students

Smart money habits start early and grow through every stage of life—from youth to teen to college. Our accounts are designed to support their financial journey, helping them build skills and confidence at each step. Start their path to a brighter financial future today!
Group of students holding notebooks and carrying bookbags while smiling and walking in front of large building entrance.

Small Change Accounts (Ages 0-12)

Start teaching smart saving habits early with our Small Change accounts.

Available Products & Services

Savings Features:

Upward Andy’s Coloring Adventure!

Teen U Accounts (13-17)

Empower teens to take their first steps toward financial independence with our Teen U accounts.

Available Products & Services

Savings Features:

Checking Features:

YA! Accounts (18-24)

Designed for young adults ready to explore the full range of financial tools, we offer accounts designed to reward their independence and support their future goals.

Popular Products & Services

Resources for Higher Education

Formerly known as the Education IRA, is a great way for parents, grandparents and others to help meet the rising costs of a student’s education, while taking advantage of tax-deferred savings.

  • Purpose: A Coverdell ESA is used to pay for qualified education expenses for a designated beneficiary, such as tuition, books, supplies, and room and board
  • Contribution Limits: $2000 per beneficiary.
  • Eligibility: The beneficiary must be under 18 or have special needs when the account is established.
  • For more information on Coverdell click here and here.

Free Application for Federal Student Aid (FAFSA) is a free application that students use to apply for federal and state student aid: Federal grants, Work-study funds, and Loans.

  • FAFSA Portal
  • What is FAFSA
  • Check your State and Federal application deadlines (California is around March 1st)
  • DACA and Noncitizen students also see the California Dream Act Application

LendKey offers private student loans using a network of financial institutions. Students must generally meet age, credit, and citizenship requirements before loan approval. Student applicants who do not have a credit history or a steady source of income will oftentimes need to apply with a qualified cosigner.

A 2nd Mortgage or Home Equity Line of Credit from Upward Credit Union may be an affordable option to consider when researching was to fund education expenses.

Available Products & Services

  • Small Change
    (Ages 0-12)
  • Teen U
    (Ages 13–17)
  • Young Adults
    (Ages 18+)
Feature Small Change
(Ages 0-12)
Teen U
(Ages 13–17)
Young Adults
(Ages 18+)
Feature
$3999
/year
Account OpeningIn-PersonIn-PersonOnline or In-Person
Requires a parent or guardian
Savings Account
Checking Account
Term Certificates
Coverdell ESA
Debit Card with Digital Wallet Compatibility
Online Banking with Bill Pay
Mobile Banking with Mobile Deposit
Credit Card
Buy NowBuy NowBuy Now

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