We believe that one account doesn't fit everyone...especially younger members.  That's why Union Square offers a variety of Student Accounts tailored to the members they serve.

• SAFER THAN CASH

• HELP YOUR TEENAGER DEVELOP FINANCIAL RESPONSIBILITY

• MONITOR SPENDING WITH ONLINE BANKING, TEXT, OR EMAIL MESSAGES

• PERFECT FOR EMERGENCIES

• HONOR ROLL REWARDS PROGRAM PROVIDES INCENTIVE TO STUDY

The Credit Union will not collect, use or disclose online information received from children under age 13 without prior parental notification and consent, which will include an opportunity for the parent to prevent use of information and participation in the activity. Online information will only be used to respond directly to the child’s request and will not be used for other purposes without prior parental consent.

Super Saver

Smart Saving for Children

Our Super Saver account is designed with kids ages 0-12 in mind. We want our youngest members to learn if you save a little at a time, and do it regularly, it really pays off. That’s why we offer incentives for being on the honor roll during the Fall and Spring semesters.

*If your child is 12 years old or younger and you’re already a Union Square member, just come in and visit one of our Financial Service Representatives to set up your child's Super Saver Account.

*Student must be 12 years of age or younger and have a parent or guardian who is a member of the credit union present when the account is opened. The parent or guardian will be required to be designated with a legal role on the student account and will be jointly liable for the account and transactional activity.

Budget Builder

Responsible Checking for Teenagers

Our Budget Builder account gives you the option for cash back or simple dividend yielding checking account . It's designed to help them practice the saving skills they learned as a Super Saver, and introduces them to the idea of safe and responsible checking.

• BUDGET BUILDER HIGHLIGHTS
• FREE ONLINE BANKING
• FREE CASH WITHDRAWALS AT MORE THAN 20 LOCAL ATM’S
• FREE DEBIT CARD: SHOP ONLINE WITHOUT BORROWING MOM OR DAD’S CREDIT CARD
• SET A BUDGET: PROVE TO MOM AND DAD THAT YOU’RE FINANCIALLY RESPONSIBLE
• GET YOUR PAY UP TO 3 DAYS EARLY WITH DIRECT DEPOSIT**

*Student must be between the ages of 13-18 or younger and have a parent or guardian who is a member of the credit union present when the account is opened. The parent or guardian will be required to be designated with a legal role on the student account and will be jointly liable for the account and transactional activity. Accounts will not be eligible for the Courtesy Pay Privilege Program. Daily limits on debit cards will be set at credit union defaults unless custom limits are set by parent or guardian. 

**Early Payday offers immediate credit of your direct deposit to your Union Square Credit Union account up to three (3) days early based upon when we receive your payroll from your employer. USCU cannot assume any liability for not depositing these funds to your account early. You agree to be bound by Automated Clearing House association rules.  These rules provide, among other things, that payments made to you are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If Union Square does not receive such payment, we are entitled to a refund from you in the amount credited to your account.

Future Freedom

Checking & Credit for College Students

Our Future Freedom account gives you the option for a cash back or simple dividend yielding checking account. It has the tools they’ll need to save wisely, invest appropriately, and most importantly, build the kind of credit that will last a lifetime.

FUTURE FREEDOM HIGHLIGHTS

• FREE ONLINE BANKING
• FREE CASH WITHDRAWALS AT MORE THAN 20 LOCAL ATM’S
• MOBILE BANKING WITH BILL PAY AND E-STATEMENTS
• FREE DEBIT CARD
• GET YOUR PAY UP TO 3 DAYS EARLY WITH DIRECT DEPOSIT**

Student must be between the ages of 18-25 to apply for the account. *The credit union will not be able to issue open end credit cards to a member under the age of 21 unless: a) A cosigner, including a parent, spouse, or legal guardian (or any other person) over the age of 21 co-signs; or b) The consumer under the age of 21 provides financial information showing independent means of repaying any obligations.

**Early Payday offers immediate credit of your direct deposit to your Union Square Credit Union account up to three (3) days early based upon when we receive your payroll from your employer. USCU cannot assume any liability for not depositing these funds to your account early. You agree to be bound by Automated Clearing House association rules.  These rules provide, among other things, that payments made to you are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If Union Square does not receive such payment, we are entitled to a refund from you in the amount credited to your account.