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(Mid-Illini Learning Early to Save for Teens)

Money doesn’t grow on trees…but do kids really understand how it does grow? 

With a little help from MICU, you can teach your children (even your teenagers!) the importance of savings.
Establishing good financial habits early is one of the best ways to help your kids build a solid financial foundation for their future. MICU’s youth programs introduce kids to savings and checking accounts so they’ll become savvy financiers and learn the importance of saving and managing money. Unlike many institutions, MICU welcomes these accounts because your children are our partners too.

MILES 4 Teens

(Mid-Illini Learning Early to Save for Teens)

The MILES 4 TEENS Club is a savings program for young people, ages 13 to 18.

Teens can open an account for as little as $5 and earn dividends once their account balance reaches $100.

New MILES 4 TEENS Club members receive:

• A share in the credit union
• A membership card
• A "Moe the Zebra" collectible to take home

When a MILES 4 TEENS Club member’s account balance reaches $500, the member will be invited to a special reception to meet our mascot, Moe the Zebra and the President of our credit union, Mr. Tom Stewart. At the reception, each MILES Club member who has achieved this important goal will also receive a special gift to remind them of the importance of saving money.

MILES 4 TEENS Club balances can be transferred to a MICU Share Certificate (CD) to help reach long-term goals.

Encourage Your Teen to Save:

• If you give them an allowance or pay them for chores, deposit the money in their savings account.
• Offer to match any money they put in savings as long as it remains there for at least six months.
• Reward teens for reaching savings goals with a pizza party, sleepover, museum trip … you get the idea.
• Require teens to save for the extras they want like electronics, trips, cars, etc. They’ll learn how much it takes
   to pay for things.

MILES 4 TEENS Club members ages 16 to 18 can open a special checking account with parents as joint owners. You only need $25 to open the account and your first order of checks is free!

To encourage independence, responsibility and self-reliance, MICU offers young members something most banks won't - freedom. With a cosigner and parent’s approval, MILES 4 TEENS Club members can also have a free MICU VISA Rewards Debit Card to access their MICU checking account wherever the VISA symbol is displayed.

The debit card will also work as an ATM card to withdraw cash from ATMs.

Account holders aged 18 and older may apply for the card on their own.

Parents beware…you are responsible for overdrafts, so watch accounts closely and show your kids how to use MICU’s convenience services like CUTIE 24/7 Telephone Banking, online banking and Mobile Money.

Call our friendly Member Services team today at 309.661.1166, ext. 220 or 800.527.2205.

2013 Money Smart Kids Essay Contest

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Membership is open to anyone who lives or works in McLean County, is related to a current MICU member, or would like to join the Mid-Illinois Dollars for Scholars Foundation.

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