TRAILBLAZER
APY*-Min. $5.00 to Open
TRAILBLAZER
APY*-Min. $50.00 to Open
TRAILBLAZER
APY*-Min. $50.00 to Open
TRAILBLAZER
APY*-Min. $50.00 to Open
adventure starts here
Boosted Savings Rate
Learn MoreEarn $1 for every A*
Learn MoreCard Controls and eAlerts
Learn MoreNo Monthly Fees!
Learn MoreSavings Bonus
WOW! You can boost your savings with a 2% APY* rate bump over our standard rates, plus have the benefit of no account fees
No Deposit Caps
Because big goals deserve room to grow, you can save as much as you like, with no minimum or maximum balance requirements
Youth CD Accounts
Youth Trailblazer CDs get a boosted rate of .75% APY*. Mix and match, or choose multiple of the same term
Dividends
Dividends for savings and CDs are paid monthly which match the calendar better than standard quarterly payments
iOS & Android Mobile App
with a spark of financial freedom
Trailblazer accounts earn a 2% APY* higher interest rate on top of our regular savings interest rate. Start savings with no maintenance fees and no minimum or maximum balance requirements.
Students can earn a Good Grade Bonus for their report card. Students can earn $1 for every A (or equivalent) up to $25 per academic school year.
Parents can easily monitor Trailblazer accounts inside the Ignite CU mobile app.
Need to transfer funds? With the Ignite CU mobile app and Online Banking, paying allowances becomes easy with quick and instant transfers. Or, set up a scheduled transfer from your primary account.
It’s absolutely essential to teach children how to manage the money they have and how to invest it in the future. This article covers Spending (wants vs. needs), Saving, and Investing
The 3 jar system is a popular way to begin teaching children how to budget. With this system, you give your child three clear jars, each representing a different fund: spending, saving, and giving. The child will then divide their money into the jars with your guidance.
Budgeting their money in this way teaches children to actively plan for their current and future wants. Encourage your child to stick to their budget.
If they fall short in one category, the goal is to help the child modify their behavior or budget instead of pulling from another jar.
For example, if your child would like to spend more money than they have in the spending jar, they should re-prioritize their wants, earn more money, or rethink their budget instead of pulling from the saving or giving jars.
Open a Youth CD for as little as $50, or choose an amount up to $5,000.
Limit of 3 Youth CDs per account.
Keep building your savings by adding to your CD.
Open a Youth CD in Online Banking or the Mobile App and grow savings at your own pace. Add funds whenever you choose, with no minimum or maximum deposit restrictions.
Mobile App instructions for opening a Youth CD:
- Go to Accounts Menu
- Select + Sign (top right corner above Full Account Summary)
- Click on New Certificate Account
- Select Term
- Click Purchase Online
Online Banking instructions for opening a Youth CD:
- Go to New Accounts (top menu bar)
- Select Open a New Certificate
- Select Term
- Click Purchase Online
Looking for a safe way to grow your savings? Consider a CD. If you’re willing to wait, a CD or share certificate can be a great way to earn a high interest rate on the money you deposit. But first, what is a certificate of deposit and how does it work? Let’s explore the basics.
It’s exciting to dream about how you’ll spend your money (when you have some). Brainstorming a list of savings goals is typically less inspiring. But really, the two go hand-in-hand. Without money in savings, it’s hard to make your wish-list expenses come true.
Help your teen build confidence by teaching them to manage their everyday spending. Our free teen checking accounts are for members age 13-17 and come with a free debit card.
Our Debit Cards offer the convenience of Tap to Pay, ensuring a higher level of reliability and security than other forms of payment. Simply hold your debit card near the point of sale!
Easily turn your Debit Card on or off to protect your accounts from unauthorized use. You are in control, anytime, anywhere! With card controls you can:
- Receive card activity alerts when and where your card is being used
- Report a lost or stolen card and turn your card on or off
- View account balances and see recent account activity
Keep your card in the palm of your hand with mobile wallet. No need to carry your physical card, just load your debit card into Google Pay, Apple Pay or Samsung Wallet. Just point, tap and pay!
Your budget is your blueprint for keeping cash flow positive and for sticking to your saving goals. Having a better understanding of your situation and taking a big picture approach will help you stay on track to meet your financial goals.
Savings +/-
CD +/-
Teen Warm Up
Budget Coach
Trailblazer FAQ
To open a Youth Trailblazer Checking or Savings Account, stop by any branch or contact a Member Service Representative.
Members can open a Youth Trailblazer CD in Online Banking or the Mobile App.
Mobile App Instructions:
- Go to Accounts Menu
- Select + Sign (top-right corner above Full Account Summary)
- Click on New Certificate Account
- Select Term
- Click Purchase Online
Online Banking Instructions:
- Go to New Accounts > Top Menu Bar
- Select Open a New Certificate
- Select Term
- Click Purchase Online
Trailblazer accounts require a Joint Owner 18 years of age or older. Joint Owner does not have to be a parent or guardian.
| Savings Accounts | Dividend Rate | APY* | Min. Balance To Earn |
|---|---|---|---|
| Regular Savings** | 0.10% | 0.10% | $5.00 |
| Special Savings | 0.10% | 0.10% | $5.00 |
| Amped Savings | 4.89% | 5.00% | $0.01 |
| Trailblazers Youth Banking*** | 2.10% | 2.12% | $5.00 |
| Club Accounts | 0.10% | 0.10% | $5.00 |
| IRA Savings | 0.50% | 0.50% | $5.00 |
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
- Click the Online Banking button below
- Click “First Time User?”
- Enter your account number
- Enter your Social Security Number
- Follow the prompts to set up your security codes and password
Transfer funds in real time between your accounts, to pay your Ignite loans or to other Ignite members.
APP
- Select MOVE MONEY from bottom navigation menu
- Choose QUICK TRANSFER in top left corner
- Fill In – Transfer From, Transfer To and Amount
- Click CONTINUE, review your information and finalize by selecting TRANSFER NOW
Online Banking
- Select PAY AND TRANSFER from top navigation bar
- Choose MOVE MONEY > QUICK TRANSFER in top left corner
- Fill In – Transfer From, Transfer To and Amount
- Click CONTINUE, review your information and finalize by selecting TRANSFER NOW
Set up reoccurring or one time transfers to move money today or for a future date.
APP
- Select MOVE MONEY from bottom navigation menu
- Choose SCHEDULE TRANSFER
- Select the Frequency and fill in Transfer From, Transfer To, Transfer Type and Amount
- Click CONTINUE, review your information and finalize by clicking SCHEDULE TRANSFER
Online Banking
- Select PAY AND TRANSFER from top navigation bar
- Choose MOVE MONEY > SCHEDULE TRANSFER in top left corner
- Select the Frequency and fill in Transfer From, Transfer To, Transfer Type and Amount
- Click CONTINUE, review your information and finalize by clicking SCHEDULE TRANSFER
Easily jump to your other Ignite accounts inside It’s Me 247-Online Banking or the Ignite CU mobile app.
APP & Online Banking
- Go to your profile (top right corner)
- Choose Switch Accounts
*Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details.
Good Grade Bonus: $1.00 per “A” (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. ‘
Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply.
Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply.
Debit Cards for ages 13-17 require approval from the adult joint owner. Membership eligibility required.
| 0.75% Rate Increase For Trailblazer Members*** | APY* | Min. Deposit |
|---|---|---|
| 12 Month Certificate | 2.17% | $50 |
| 24 Month Certificate | 2.12% | $50 |
| 48 Month Certificate | 3.28% | $50 |
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
You already use your phone for just about everything. Now you can pay with it too. Add your debit cards to your mobile wallet on your smartphone, tablet or even smart watch and shop securely in stores, in apps and online. Encrypted tokenization means your personal information is secure and can actually be safer to use than swiping a physical card.
How safe is your information?
This game is designed for teens, ages 13-18, but anyone can play! Navigate through fun dilemmas and wacky scenarios to try and spot red flags and avoid negative consequences. Some things online are obviously unsafe and some decisions are clearly unwise, but others? Well…they can be tricky.
No matter how much money you have or where you get it—your job, allowance, or birthday money—you need to manage it well to make the most of it. Learn about the 50/30/20 rule for splitting funds into needs, wants, and savings, and discover exactly how it applies to your money.
Borrowing money is a common financial practice, but it can lead to dangerous consequences if not done carefully. It’s important to understand how borrowing money works so that it can be done safely when needed.
The Ignite CU mobile app is an easy, secure way to access your accounts anytime, from anywhere, using your mobile phone, tablet or electronic device.