Good financial habits start early

Take the first step with our youth accounts

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Explore our rates

Learning to save and spend wisely takes practice. Help your child or grandchild build financial independence one step at a time with our youth products and services. At every stage, we’re here to provide guidance and support.

Personal Accounts

SaveWise™ Account***

4.00%
On first $2,000
Personal Accounts

SaveWise™ Account***

2.00%
***Available exclusively for members 0-14 years old. Rates are current as of June 25, 2025 and subject to change without notice. Conditions may apply.

Teach your child the basics of saving and spending

Our SaveWise™ and SpendWise™ accounts work together to help your child or grandchild learn valuable financial skills like saving toward a goal, understanding how money works, and creating a budget.



SaveWise 

An account specially designed to maximize your child's savings


SpendWise 

Your child's first chequing account for day-to-day spending


  • Ages 0 – 14
  • Premium interest rate on the first $2,000
  • No monthly fee
  • Send funds easily with free 
  • Interac e-Transfer®
  • Free deposits and Quick Change
  • Does not include a debit card for purchases or ATM access


  • Ages 0 – 18
  • Earns interest daily, paid monthly
  • No monthly fee
  • Unlimited transactions, including 
  • Interac e-Transfer®
  • Skip ATM surcharge fees at most Canadian credit unions*
  • Includes a debit card for purchases and ATM access


Set up your child for a lifetime of success

It’s never too early to start putting money into an RESP. Choose between a family plan for more than one child in a single family, or an individual plan for one specific child in your life.
piggy bank

Set more money aside with government matching

With an RESP, the federal government matches up to 20% of the first $2,500 of per year.
grad cap

Choose from a variety of savings options

Our RESPs are available in a variety of savings types, including variable savings, GICs, or mutual funds**.
hand open receiving money

Access to funds when and how your child needs

If your child delays their post-secondary education, they’ll have up to 35 years to use the funds. 
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