Youth Accounts

Unique accounts for our younger members.

Orange-DotScottie Savers   Orange-DotGateway   Orange-DotCoverdell Savings


  Scottie Savers Gateway Coverdell Educational Savings
  A fun account for those age 12 and under Specifically designed for those age 13-24 Designed to fund higher education expenses
  SCOTTIE Savers Heartland Credit Union Gateway Account Heartland Credit Union Coverdell Heartland Credit Union
  Learn More Learn More Learn More
Dividends paid Yes Yes Yes (options available)
Transaction Acct Yes Yes No
Age limitation Yes (max. age 12) Yes (ages 13-24)  Yes*
Open Account Open Account Open Account



  • Unlimited free transactions at HCU and CO-OP Network ATMs
  • $500 instant credit for deposits at Heartland Credit Union ATMs

*Coverdell ESAs can be opened for any student who is under the age of 18 years. The assets, however, must be withdrawn by the time the student reaches the age of 30. Withdrawals for children with special needs generally are not subject to the age restrictions.