GenGrow Youth Accounts
Strong financial habits start early.
Through our GenGrow program, we partner with parents and guardians to help young people learn how to save consistently and spend thoughtfully.
.png)
Receive a bonus deposit with new GenGrow accounts!
From saving their allowance to buying their first car, Cornerstone is in your child's corner every step of the way. That's why we reward all new GenGrow accounts with a $35 bonus deposit¹ upon account opening.
.png)
GenGrow Kid (ages 0-12)
Learning and saving.
Details & Features
.png)
GenGrow Teen (ages 13-17)
Independence and growth.
Details & Features
.png)
GenGrow+
(ages 18-25)
Partner for adulthood.
Details & Features
High-Yield Savings Account Options
Details & Features
Certificate of Deposit Options
Details & Features
Loan Options
Details & Features
.png)
Free Financial Education
Help your kids develop healthy financial habits with our free financial education modules, powered by Zogo. By using gamification and incentive-driven design, the app makes financial education engaging and entertaining for all ages.
GenGrow Kid and Teen members can access Zogo in the GenGrow Family Wallet app, and GenGrow+ members can complete modules in the CCF mobile banking app.
.png)
Your chance to win an iPad!
Want to be entered into our annual GenGrow member iPad raffle? The steps are simple! Open one or more of the accounts below between January 1 and December 31, and you'll be automatically entered to win!
- GenGrow Rewards Checking Account
- GenGrow Savings Account
- Youth High-Yield Savings Account
Meet our 2025 iPad winner, Justin! ➡️
Already have a youth account & ready to get started with the GenGrow Family Wallet app?
1: Offer subject to change at any time. The $35 cash deposit will be deposited into the GenGrow Youth Account as a dividend payment within 30 days of account opening. Account must be in good standing (no negative balance) to receive match. One account per SSN. A 1099-INT will be issued for dividend bonus payment.
2: APY = Annual Percentage Yield effective as of 3/18/2026. Balances up to $15,000 receive APY of 2.02%. If qualifications are not met no dividends will be earned. See Membership Agreement for full disclosure.
3: Youth members ages 0–17 who maintain a GenGrow Share Account are eligible to receive a $5 birthday deposit. The reward will be automatically deposited into the member’s account on their birthday and is applied once per year, contingent upon the member holding one of the qualifying account types at the time of the deposit.
4: GenGrow Teen members ages 13–17 who have a GenGrow Rewards Checking account are eligible to receive a one-time $35 ACH reward after successfully completing their first ACH deposit into their account. Limited to one account per SSN and will not be issued for subsequent ACH transactions. A 1099-INT will be issued for dividend bonus payment.
5: GenGrow Young Adult members ages 18–25 who have a GenGrow Rewards Checking account are eligible to receive a one-time $10 ACH reward after successfully completing their first ACH payment out of the account. Limited to one account per SSN and will not be issued for subsequent ACH transactions. A 1099-INT will be issued for dividend bonus payment.
6: APY = Annual Percentage Yield. Available to members ages 0-17. Standard APY of .05% applies to the balance in excess of $1,000. Rates subject to change and are accurate as of 3/18/2026. Account will convert to a Young Adult High-Yield Savings Account at age 18. Fees could reduce earnings on the account.
7: APY = Annual Percentage Yield. Available to members ages 18-25. Standard APY of .05% applies to balances in excess of $5,000. Rates subject to change and are accurate as of 3/18/2026. Account will convert to a Money Market account at age 26. Fees could reduce earnings on the account.