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Education and Services for Young Members

Choose from the links below to learn more about your money and finances or to learn what special services are available for our younger members.

	Show Me Financial Education for Young Adults This is a segment of our award-winning StreetWise Consumer Education Program designed to help young adults acquire the financial skills they need now and as adults.

	FoolProof for Parents Financial Education for Parents with Young Adults This is a segment of our award-winning StreetWise Consumer Education Program. FoolProof tackles several problems many parents face with their teenagers
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	Googolplex – The CU Guide for Student Money Makers This online magazine has a variety of activities and articles and information broken out by your grade level in school. Five-Spot Clubhouse – For elementary school students AJ's Mega-Mall – For middle school students C-Note University – For high-school students Googolplex is produced by the Credit Union National Association (CUNA) for DCU members.
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Credit Union Services You Can Get And When
Services Available Beginning at Birth
Savings Account	As soon as you have a Social Security number, you can open this account and become a member of DCU. A parent or guardian can open this account for you if you are too young to sign. You earn a special higher dividend rate on this account until you turn 19.
Money Market Account	This account pays a higher dividend rate than Savings once your account balance exceeds $1,000. It is available as soon as you are a member. Optional Money Market Account checks become available on the account when you turn 12 provided an adult is a joint owner on the account.
Certificate Accounts	Members under 23 can get our Regular Certificate dividend rates with a much lower minimum balance – $100 instead of $500. We call these Quick Start Certificates. Certificate Accounts carry our highest dividend rates. They are available to you as soon as you are a member.
Member-Described Account	You can open this account to save for a special purpose and give it a name such as Stereo or First Car. This is available to you as soon as you are a member.
UTMA Accounts	UTMA (Uniform Transfers to Minors Act) Accounts are owned by you, but are managed by a legal adult for your benefit until you become a legal adult (age 18 in most states). This way of handling your accounts is available as soon as you are a member.
Electronic Services	As soon as you are a member, you can use Internet and Wireless PC Branch and Easy Touch Telephone Teller. If an adult is a joint owner on your accounts, they can have a DCU ATM Card so they can more conveniently make deposits and withdraw cash from your account for you.
Looney Tunes™ Kids' Club	This FREE club offers you special benefits when you join, the Kids' Club Quarterly newsletter with your quarterly statements, contests, and more. It's for kids from 0 to 12. You can join as soon as you are a member.

Accounts and Services Available Beginning at Age 12
Checking Accounts	You can open a checking account when you turn 12 provided a legal adult is a joint owner on your account. Until you turn 23, you get FREE DCU Custom checks, FREE ATM transactions everywhere, up to $5 per month in reimbursements of non-DCU ATM surcharge fees, and other benefits. These benefits can continue from 23 as part of the Loyalty Checking Program.
ATM Card	You can begin to carry your own ATM card to access your DCU accounts at 12 if a legal adult is a joint owner of your accounts. The DCU Check Card is available when you turn 17.
Show Me Newsletter	Between ages 12 and 17, you'll automatically receive this award-winning educational newsletter for young adults. It's designed to help you gain the money skills you'll need during college and beyond.

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Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797