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Achieve more with
Downeast

Youth & Young Adult Accounts

SAVE - SPEND - GIVE

Whether you’re opening an account for a child, grandchild, or you’re a young adult setting up your finances for the first time, you’re on the right track. At Downeast Credit Union, we offer the financial tools you need to go further and be more.

Newborn to Age 12

Open a Downeast Youth Savings Account for your little one, and you’ll be able to watch their savings grow, just like their shoe size. Give them an early start to a very bright future.

  • Youth Savings Accounts
  • Youth Sow & Grow Certificates
  • Financial education

Age 13-17

Open a Downeast Checking Account with an adult joint owner and start getting ready for the real world. We'll provide financial education and even offer contests to earn cash. 

  • Savings Accounts
  • Checking Accounts with free debit card and mobile app
  • Sow & Grow Certificates to learn savings habits with just $2 per week
  • Financial education
  • Contests to earn $100 cash!*

Age 18-21

Get a Downeast Checking Account with or without a joint owner. We'll provide financial education and even offer contests to earn cash. 

  • Savings Accounts
  • Checking Accounts with free debit card and mobile app
  • Sow & Grow Certificates to build savings habits with just $10 per week
  • Credit Cards
  • Credit Builder Loans
  • Financial education
  • Contests to earn $100 cash!*

Open your Youth Account today

Frequently asked questions

Learn more about Youth Accounts at Downeast Credit Union.

Who is eligible for membership?Membership at Downeast Credit Union is open to those who live, work, worship or attend school in the following Maine counties: Hancock, Kennebec, Knox, Lincoln, Penobscot, Sagadahoc, Waldo and Washington, as well as the towns of Brunswick and Harpswell in Cumberland County. Membership is also available to immediate family members of existing members, those living in the same household and organizations of such persons who all live within the field of membership.

The first step to becoming a member is to open a share savings account with a minimum deposit of $5.00.
What documents will I need to open a youth account? 1. Minor's Social Security Card
        - Photo ID if available in conjunction with SS Card
 2. An adult age 18 or older must be on the account
        - Must have valid photo ID
        - Address verification if applicable
How old does a member need to be to get a debit card? - We offer debit cards starting at age 13 with a checking account.
 Debit cards can be used to purchase items at stores, online or at ATMs.
How old does a member need to be to apply for a credit card or loan?Members 18 and older may apply for a credit card or loan and must show proof of income.

Get the Downeast CU Mobile App

With our mobile banking app, you can access your account instantly and securely from anywhere, anytime.  Manage your money confidently and download today:

To learn more, speak to a DECU Account Expert at 207.454.9008.

Membership at Downeast Credit Union is open to those who live, work, worship or attend school in the following Maine counties: Hancock, Kennebec, Knox, Lincoln, Penobscot, Sagadahoc, Waldo and Washington, as well as the towns of Brunswick and Harpswell in Cumberland County. Membership is also available to immediate family members of existing members, those living in the same household and organizations of such persons who all live within the field of membership. The first step to becoming a member is to open a share savings account with a minimum deposit of $5.00.

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*Quarterly $100 Contest Giveaway: Members of Downeast Credit Union ages 13-21 may complete a quarterly quiz to enter the giveaway. Quiz should be delivered in person or mailed to your local branch by the last day of each quarter. One random entrant will be selected each giveaway period and funds will be deposited into their DECU savings account. No purchase necessary; alternate option to enter is to send a postcard with your name, phone and address to your local branch. Winner may be responsible for any taxes on the winnings and may be asked to sign a media release. Federally Insured by NCUA.

**One deposit match per individual on the day the new account is opened. For matching funds up to $10, the member must be under age 18 and follow our minimum opening guideline of $5. Deposit and Checking are available with this offer. All credit union offers are subject to change without notice.

Unauthorized access or use of this website is not permitted and may constitute a crime punishable by law.