Young Adult Accounts
If you’re a young adult between the ages of 18 and 26 years old, Interior Federal is the credit union for young adults that can help you start your journey toward financial independence! This isn’t just a gimmick for kids — it’s real savings on our products designed specifically for you. Whether you’re opening a young adult savings account, applying for a young adult credit card, or exploring the best bank accounts for young adults, you’ll receive exclusive benefits that cater to your financial needs. But don’t wait — once you turn 27, these special offers will convert to regular membership rates.
Savings
You’ll enjoy the same features, benefits, and competitive rates as our Primary Savings Account, along with access to digital banking services like text alerts, Zelle®, and mobile deposit. A $25 minimum balance must be maintained to keep your account active. This savings account also establishes your membership, giving you access to all of our other great products.
Young Adult Spend Account
We know funds can be tight, so our young adult spend account is designed to be easy on your wallet. With a 3.01% annual percentage yield on balances up to $500 and no monthly fees, our checking account offers everything you need. Plus, you’ll enjoy free digital banking services, a Visa® Debit Card with Purchase Rewards, and unlimited free ATM transactions. The first time you accidentally bounce a check, don’t worry — we’ve got your back with our Oops! Coupon.
Visa Credit Card
Build your credit history with an Interior Federal Visa® Credit Card. With an introductory rate of 0% APR for your first 6 months, then rates as low as 12.10% APR for Visa Platinum, you’ll have the purchasing power you need. Apply today for the young adult credit card that will set you up for future financial success.
Vehicle Loan
Are you tired of borrowing your parents’ car, taking the bus, or calling Uber? We understand buying a car is a significant financial step. When you secure your first auto loan with Interior Federal, not only will you get a great rate, but we’ll also send you a $50 gift card for your first tank of gas, via email.
Accumulator Certificate
A Certificate is a smart way to plan your savings and earn a guaranteed return over time. With just a $50 minimum to open and a $25 minimum deposit, you can secure a 24-month term. Unlike a regular young adult savings account, you’ll lock in a higher return with no risk of losing your money, making it a reliable savings option.
Open an Account in 3 Steps
Please review the list of required documents before you get started.
Are You a Member?
Please use your Digital Banking credentials to login, then visit the Apply Online tab to begin your pre-filled application.
Not a Member Yet?
It’s easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.
^Although our ATM fees for Young Adult and Teen Accounts are waived for transactions performed at our ATMs and on those in the totally-free networks (AllPoint, Alliance One, Cirrus, Co-Op, CUHERE, and Visa) there may be a charge from foreign ATM networks and/or ATM owners. A foreign ATM is defined as not being part of the Credit Union’s surcharge-free ATM networks.
*APY=Annual Percentage Yield. Variable rate is current as of date declared on Current Rates webpage and is subject to change. More details are available in our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure. Fees may reduce the earnings.
A minimum balance ($25) must be maintained.
++Although our ATM fees for Young Adult and Teen Accounts are waived for transactions performed at our ATMs and on those in the surcharge-free networks (AllPoint, Alliance One, Co-Op, CUNow, CU24, and STAR) there may be a charge from foreign ATM networks and/or ATM owners. A foreign ATM is defined as not being part of the Credit Union’s surcharge-free ATM networks.
**Message or data rates may apply depending on your wireless plan.
^Annual Percentage Rate. Offer is subject to change. The intro rate is in effect for six billing cycles from the beginning of the card issue date. Rate is subject to credit approval. You can avoid paying interest on your changes if you pay our entire balance by the due date each month. For Balance Transfers, the rate is 2.90% APR for the first 6 months. Then a rate as low as 12.10% APR for Visa Platinum and as low as 14.10% APR for Visa Platinum Rewards credit card. Rates and terms are subject to change and may vary based on creditworthiness and qualifications. To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau. For additional, information or assistance, please call us at 800-914-8619.