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April is National Credit Union Youth Month!

This year's theme: The Science of Saving.

The Science of Saving





When you think about your future, it’s important to focus on your finances. Find ways to save money now, so you can pay for the things you want later.  

Click here to download a free Science of Saving coloring page >

And don't forget to stop by your local branch with your kids to enter our Science of Saving $25 contest for a chance to win $25.**

Start saving early with a Youth Savings account.

Any member age 18 or younger can open a Heritage Youth Savings account, which offers a higher dividend rate than a regular savings accounts on balances less than $5,000. Once the member turns 19, the account switches to a Primary Savings account.

Youth Savings Accounts

Youth Savings Account (18 and under)

Minimum Deposit/Balance


Minimum Balance to Earn Dividends


Youth Savings Account Rates

View Rates

Yellow Dude Youth Program

Yellow Dude

Yellow Dude loves to help young savers (age 15 and under). He rewards kids for making smart money choices. Bring your Yellow Dude savings book in every time you make a deposit or complete activities to earn points towards a fun prize from Yellow Dude!

  • Understand the importance of money
  • Learn how to use money wisely
  • Develop a healthy savings habit
Point Chart

Point Chart

Deposit of up to $24.99

1 stamp (limit 1 per week)

Deposit of $25 or more

2 stamps (limit 1 per week)

Bring back your completed Welcome Activity

2 stamps

Get good grades

1 stamp for every A on your report card

(bring in your report card within 2 weeks)

Savings Crossword (older kids)

2 stamps

Can you find the difference? (younger kids)

2 stamps


20 stamps = Beach Ball

40 stamps = Drawstring Bag

60 stamps = Water Bottle with Straw


**1. NO PURCHASE, ACCOUNT OPENING, LOAN, PAYMENT, OR OBLIGATION NECESSARY TO ENTER OR WIN. OPENING AN ACCOUNT OR OBTAINING A LOAN WITH HERITAGE CREDIT UNION CREDIT UNION WILL NOT INCREASE YOUR CHANCES OF WINNING. 2. ELIGIBILITY: Individuals under the age of 18 will be entered to win by completing an official prize drawing entry form during the promotion period. Employees of Heritage Credit Union Credit Union, its affiliates, subsidiaries, advertising or promotional agencies, and their immediate family members and/or those living in the same household are not eligible to enter the promotion. Immediate family includes spouse, parents, siblings, children, stepparents, stepchildren, grandparents and grandchildren. 3. GIVEAWAY TIMING/DESCRIPTION: The Giveaway begins at 12:00 a.m. on April 2, 2018, and ends at 11:59 p.m. CT on April 30, 2018 ("Promotional Period"). 4. ODDS: Estimated odds of winning the prize depend upon the total number of eligible entries received. One prize will be awarded at each Heritage Credit Union Credit Union branch location for a total of ten (10) prizes. Only one entry per person is allowed among all locations. 5. PRIZE DESCRIPTION: Ten (10) winners (one per Heritage Credit Union Credit Union branch location) will receive one (1) $25 deposit into a Heritage Credit Union Credit Union savings account. If winner does not have a Heritage saving account and does not wish to open one, winner will receive $25 in cash. Prized valued at $25. 6. DETERMINATION OF WINNERS: Potential winners will be selected in a random drawing by May 4, 2018, from among all eligible entries received. The potential winners will be notified by telephone or U.S. Mail by May 11, 2018. If winner does not respond, is found to be ineligible or fails to return any required releases by May 25, 2018, the prize will be forfeited and another winner will be drawn. All decisions are in the sole and absolute discretion of Heritage Credit Union. Prize is non-transferable, non-assignable and may not be substituted. 7. CONDITIONS OF PARTICIPATION: EACH CONTESTANT AND THEIR HEIRS, PERSONAL REPRESENTATIVES, AND NEXT OF KIN RELEASE, WAIVE, DISCHARGE, AND AGREE TO HOLD HARMLESS HERITAGE CREDIT UNION CREDIT UNION AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS, AS WELL AS THE OWNERS AND LESSORS AND LESSEES OF ANY PREMISES IN WHICH CONTEST ACTIVITIES ARE HELD, FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES, LIABILITIES AND DAMAGES ARISING OUT OF OR RELATED TO ANY LOSS, INJURY, OR DAMAGES, WHETHER CAUSED BY THE NEGLIGENCE OF THE RELEASED PARTIES OR OTHERWISE, THAT MAY BE CAUSED OR CLAIMED TO BE CAUSED AS A RESULT OF PARTICIPATION IN THE CONTEST OR THE RECEIPT OF A PRIZE. 8. GENERAL: Heritage Credit Union requests the right to use each winner’s name and image for promotional purposes related to the Giveaway upon signed release by parent or guardian. Participants may be required to execute an affidavit of eligibility and a publicity release. Participants will not be compensated or reimbursed for video production, credit union publicity, or public appearances. All participants accept and agree to be bound by these Contest Rules. Any violation or non-compliance with these rules will result in disqualification. 9. WINNER INFORMATION: To request the name of the prize winners, send a stamped, self-addressed envelope along with a written request to: Heritage Credit Union Credit Union, 1212 Huxley Street, Madison, WI 53704. 10. SPONSOR & ADMINISTRATOR: The Sponsor of the Giveaway is Heritage Credit Union Credit Union, 1212 Huxley Street, Madison, WI 53704. Void where prohibited by law.

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