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    Gen Z Banking Habits

    November 20, 2025
    group of Gen-Z people sitting down and smiling while holding their phones

    Gen Z is more confident with their finances than we may think. A recent survey* from DCU found that 61% of Gen Z feel confident with their personal financial health, even amid current economic uncertainty. Gen Z is also taking charge of their financial health by budgeting, tracking, managing their credit score, and investing for their future.

    Interested in hearing more of Gen Z’s thoughts on their finances and financial futures? Read on to see how similar you are to Gen Z when it comes to your finances. 

    Benefits of a DCU Membership

    Learn more about our commitment to help members achieve financial wellness.

    JOIN NOW

    Membership Eligibility

    1.     Eligibility by Family Relationship to a Current DCU Member

    Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).

    2.     Eligibility by Company You Work for or Retired From

    • You currently work for or retired from a company in our list of participating employers.

      You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.

    3.     Eligibility by Organization You Belong To

    • You currently belong to or join an organization whose members we serve.

      You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.

    4.     Eligibility by Community

    You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.

    illustration of a woman and a man holding their phones with icons in the background and text gen z and credit unions

    How Gen Z Feels About Money
    Gen Z was asked to guess how their peers responded in a recent DCU banking habits survey. View the results.

    Would You Rather: Gen Z Financial Health Edition
    Making financial decisions can be tough - especially for younger generations. See how one Gen Zer would handle her money.

    Gen Z's Investing Habits
    Can you guess Gen Z’s habits when it comes to investing? We surveyed a few people on the street - check out their responses.

    Would you rather? Part 2: Gen Z Financial Health Edition
    Figuring out your own financial path takes thought. Learn what journey this Gen Zer thinks they’ll take.

    Advice for Gen Z and Millennials
    Where you are now financially vs 5, 10, or 20 years from now requires making choices. What would you tell your younger self about saving and spending?

    Would you rather? Part 3: Gen Z Financial Health Edition
    There isn’t one “right” solution when it comes to money. Get some insight from one Gen Zer’s view on how money-based decisions can impact their short- and long-term finances.

    Want more insights into how Gen Z perceives their financial futures, financial institutions, and more? Access the full study.

    *Survey insights were collected by DCU through a Researchscape survey fielded between February 28 and March 31, 2025, among 1,298 teens and adults aged 13-28.

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