Your Road Begins at Visions Federal Credit Union

The first thing you must do once you get money of your own is figure out what to do with it. Where's a safe place to stash it for weekly expenses? How am I going to buy a car? What about college? And some day, it might be nice to move into a place of my own. Sure, adults can provide guidance, but ultimately you're going to have to learn how to do it yourself. Here's how to get started...

Smart Start Checking /
VISA® Check Card

A Share Savings account establishes your membership with Visions and entitles you to our full range of products and services.

NO FEE CHECKING!
Smart Start Checking is available to students 13-22 years of age. No minimum balance required, no monthly fees, and the first order of 50 checks is free! Smart Start Checking is a no dividend account.

YOUR OWN CHECK CARD!
Pay for purchases with VISA® Check Card** The check card is NOT a credit card; it can be used wherever VISA® cards are accepted, but the money is deducted from your checking account balance - like a check – only easier! **Minimum of one purchase per month is required to avoid $1 service charge. Minimum age to qualify for Visa® Check Card is 16.

CONVENIENT ATM ACCESS!
The VISA® Check Card doubles as an ATM card for qualified applicants age 16+, or an ENTRY card is available for ATM access only, beginning at age 13. Either one can be used to make deposits, withdrawals, cash checks, etc., at any Visions ATM or network ATMs nationwide.

Smart Start Loans - Are You Ready For Your First Loan?

Visions offers several lending options for young borrowers. We believe that offering a chance to build credit at an early age will help establish lifelong patterns of responsibility.

	SMART START LOAN TO $350 Rather than asking your parents for money, ask for “Smart Start Loan”. Are you taking a special SAT course for college? Need some cash to cover your senior trip? A small loan is available starting at a minimum of $50 to students age 14-17, with a co-applicant.
	AUTO LOAN Ever wish you had your own wheels to get to work, school, & extra-curricular activities? If you’re age 16-17, with an eligible co-applicant you’re ready to go!
	YOUTH VISA® CREDIT CARD Students between the ages of 14-17 can learn to manage a small credit limit of $100-$300. A co-applicant is required and student must complete a financial literacy program with their parent prior to approval.