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Turn your eyes toward the future and discover a brilliant tomorrow! Designed for teens ages 13-17, Stellar Teen Checking1 is your first step toward financial independence.
Earn 10.38% APY3 on the first $1,000 with your Brilliant Kid’s Savings Account
With added account features, you can practice good money management skills, earn money on our gamified financial literacy app, and send money to friends and family.
It pays to learn! Play through different financial literacy levels and earn points toward real-life rewards.
Go at your own pace with our exclusive Stellar Teen Banzai4 courses designed to personalize your financial education.
Pay with a variety of mobile payment options, from Apple Pay to Visa Checkout and more.
Make safe & quick transfers anywhere in the US using integrations with PayPal, Venmo, or directly to a debit card.
Set alerts, turn your card on and off, report a lost or stolen card, and more with our all-in-one card control app.
APY=Annual Percentage Yield
1 Stellar Teen checking is available for children ages 13-17, and requires an adult joint owner. A minor may request for Spectra Credit Union account access debit card, checkbook, and/or Spectra Credit Union “Electronic Services” (Telephone Banking/Online Banking). Spectra Credit Union charges no monthly maintenance or service fees for the Stellar Teen checking. Please refer to the fee schedule for a list of fees. The adult joint owner is responsible for the Minor’s actions regarding the use of any of the aforementioned services and indemnifies and holds Spectra Credit Union harmless from any such use. The account will convert to a regular share draft checking account when the child turns 18.
2 Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Please see the online ATM Locator or our mobile banking app for a list of ATMs that accept deposits or are fee free. Not all ATMs accept deposits.
3 10.38 % APY applies to the first $1,000. APY is accurate as of the last dividend date January 2023. APY may change. Amounts over $1,000, will accrue dividends at the regular share savings account rate. For example, a balance of $1,500 will earn 10.38% on the first $1,000, and regular savings rate on the remaining $500. Current regular share savings rate is 0.05% APY. Brilliant Kids Savings account is required to open a Stellar Teen checking. Brilliant Kids account is available to children under the age of 18, and requires an adult joint owner. Only one Brilliant Kids account is permitted per child.
4 If you have an existing Banzai account, you must create a new account with a new email address, preferably associated with your Stellar Teen checking account, to access the exclusive page for Stellar Teens.
