Youth Accounts
Designed for under 18s, our youth accounts are full of features to help manage and grow your money.
Your first taste of financial freedom
Banking and savings options for under 18s.
Everyday Youth Account
An everyday account for 10 to 17-year-olds.
Start your journey to financial freedom:
  • $0 monthly account fees
  • Unlimited fee-free electronic transactions
  • Tap and pay securely with your mobile or watch*
  • Visa Debit card if you're 14 or over^^
Youth eSaver Account
A savings account for any age up to 17 years.
Start saving for a bright future:
  • No monthly account fees
  • 2.50% interest rate on balances up to $5,000**
  • Add and withdraw your savings without affecting your interest rate
  • Comes with an Everyday Youth Account if you're aged 10 to 17 years
Interest rate up to $5,000
Interest on amounts over $5,000

Why we're different

  • We're Australia's largest member-owned banking organisation
  • 70 years of putting members before profits
  • Focussed on supporting the community

Find out more about the CUA difference

The process was smooth and engaged my child!
Bridget, QLD
CUA Member

Once, twice, three times a winner.

We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!

Top tips for managing money

Here are some great ways to help kids make more of their finances.

5 tips to teach your kids the value of money

Teaching your kids some basic financial knowledge could really set them on the road to success. To help your kids learn the value of money and get them saving, we’ve prepared some handy tips.

How to get the most out of digital banking

Digital banking can seem scary and complex. With a little guidance, though, it’s neither of those things. Following these steps will help you to make the most of your CUA account and save time for the other things in your life.

Help your kids save money over the holidays

Whether your kids have a part-time holiday job, or are just doing chores for pocket money, a good interest earning savings account can get their money working just as hard.

Important Information

Rates current as at 13 April 2021 and subject to change.

Credit Union Australia Ltd ABN 44 087 650 959, AFSL 238317. Conditions, fees and charges apply. This is general information and does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information, including the Terms and Conditions (T&Cs) booklet, before acting on it. The Financial Claims Scheme may apply to this product; refer to the T&Cs for more information.

** Rate applies on a stepped basis. Interest paid at 2.50% p.a. on balances up to $5,000, then at 1.00% p.a. on that portion of the balance over $5,000.

CUA Everyday Youth Account does not earn interest and converts to a CUA Everyday Snap Account once you turn 18 years old

CUA Youth eSaver Account converts to a CUA eSaver Plus Account once you turn 18 years old.

^^ Visa Debit cards are available to members who have an Australian residential address and are aged 14 or over. rediCARDs are available to members aged 10 or over.

* Mobile network provider charges may apply. Access is subject to availability and maintenance, refer to our website for more information.

Refer to New Payments Platform and Osko NPP Terms at