trailblazer youth banking program - 

adventure starts here! 

A program built to help your child navigate their financial future with confidence. Trailblazers was created to inspire curiosity, build good money habits, and make saving feel like an adventure.

with Trailblazers, kids can enjoy:

  • A boosted savings rate – Earn an extra 2% APY* increase on top of our standard savings rate.
  • Good Grade Bonus – Earn $1 for every A (or equivalent) on report cards.
  • No monthly fees or deposit caps – Because big goals deserve room to grow.

start their financial adventure this April

April is Financial Literacy Month, making it the perfect time to help your child take their first step toward a strong financial future.

open an account for a chance to win*

Open a Trailblazers Youth Account between April 1 and April 30, 2026, and you’ll be entered for a chance to win an Amazon Fire Tablet!

Because learning about money should be rewarding from the very beginning. 

get started

Click the button below to become a member, or stop by any branch with your photo identification and Social Security Card and speak to a Member Service Representative to open your account. For more information, contact us at 800.648.8035.

become a member

built for every stage of their journey

Trailblazers is designed to grow with your child, helping them learn, practice, and build confidence at every age.

Start Strong (Ages 0–12)

Help younger kids understand the basics of saving with:

  • Boosted earnings with +2% APY*
  • Rewards for good grades
  • No monthly fees or limits

Build Independence (Ages 13–17)

Give teens real-world experience managing money with:

  • Youth checking and debit card access
  • Digital banking tools and alerts
  • Parental visibility and guidance

Learn more at: BlueOx Credit Union - Teen Accounts

Plan for What’s Next

Support future goals with:

  • Youth CDs with boosted rates
  • Flexible savings options
  • Tools that grow as they do

Checking Account and CD options

Trailblazers offers a full lineup of youth-friendly financial tools to help kids and teens learn, practice, and thrive on their financial journey:

Youth Checking (Ages 13+)

Give your teen the confidence to manage everyday spending with a checking account designed just for them.

  • No monthly fees
  • Debit card with tap-to-pay and Apple/Google Pay
  • eAlerts and Card Controls

Youth CDs

Youth CDs make it easy to plan for future goals with boosted rates and set-it-and-forget-it simplicity.

  • 12, 24, and 48-month options
  • .75% rate bump over standard CD rates*
  • Add-on flexibility so they can keep building their savings anytime

current rates
 

resources

 

*Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.

**Open a Trailblazer Youth Account with BlueOx Credit Union between April 1 and April 30, 2026, to receive one (1) entry for a chance to win an Amazon Fire Tablet (approximate retail value up to $249.99). No purchase necessary. See official rules for alternate methods of entry. Sweepstakes is open to legal residents of Michigan under the age of 18, with a parent or guardian completing the entry. Limit one (1) entry per person. Sweepstakes ends April 30, 2026, at 11:59 PM ET. The winner will be selected in a random drawing and notified by email or phone. Odds of winning depend on the total number of eligible entries. The prize is non-transferable, and no cash substitution is allowed. By participating, entrants agree to release BlueOx Credit Union and its affiliates from any liability. Void where prohibited. Sponsored by BlueOx Credit Union. This promotion is not sponsored, endorsed, or administered by Amazon.

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