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Best credit union for teens and college students is at Golden 1 Credit Union, federally insured by the NCUA.
Checking and savings options: Along with standard free and premium checking accounts, Golden 1 Credit Union has free checking accounts for teens and college students. New Generation Checking has low ATM withdrawal limits and requires an adult co-owner. Student Checking gives college students full account privileges.
The Youth Savings account requires a co-owner, but let’s young account holders transact without them present. The account earns the same 0.20% APY as the regular savings account.
Eligibility, branches and ATM access: Anyone who lives or works in California is eligible for Golden 1. Members can also take advantage of shared ATMs (over 30,000) and shared branches.
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