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Youth Accounts

Building smart money habits for the next generation.

Whether you're teaching your child to save, helping your teen gain independence, or preparing for college, Trax provides the tools, guidance, and opportunities to help young members succeed.

Accounts Available for Ages 0-17
Free Financial Education Resources
Earn Rewards for Academic Success
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Platform 8 ⅓ Kids Club

Build their confidence with money while making saving fun, rewarding, and full of opportunities to learn and grow.

  • For ages 12 and under
  • Earn 5.10% APY* on your first $5001
  • Get $1 for every A on your most recent report card, up to $52
Learn More
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Embark Teen Checking

Take the first step to helping your teen learn, save, spend, and grow lifelong money skills.

  • For ages 13-17
  • Debit card compatible with Apple & Google wallets
  • No hidden fees
Learn More
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Scholarships

Whether you’re heading to campus, building career-ready skills, or continuing your education, you can find loan options that support your path forward.

  • Trax Academic Scholarship
  • Trade Scholarship
  • Giorgianni Legacy Scholarship
Learn More

Good Habits Get Rewarded

Watch Your Money Grow

Earn 5.10% APY* on your first $5001

A’s Pay Off

Get $1 for every A on your most recent report card, up to $52

Keep More of Your Money

No minimum balance or monthly fees

Youth Advisory Board

Have ideas for the future of Trax? Help shape the member experience alongside our Board of Directors.

  • For ages 16-25
  • Share ideas and provide valuable input to Trax
  • Work collaboratively with our Board of Directors
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Smiling young man in yellow shirt holding tablet and wearing a blue backpack in a bright hallway.

Student Loans

Invest in your future and bridge the gap between what your financial aid covers and your educational expenses.

  • Competitive variable and fixed interest rates
  • Multiple repayment options
  • Various loan types available
Disclosures

*APY = Annual Percentage Yield.

1Special interest rate of 5.10% APY up to the first $500 in the savings account. Balances above $500 will be paid at the current rate.

2Grade payouts = $1 for every A on your report card, up to $5 per grading period. Other restrictions may apply.