Being young does not restrict you at Spruce Credit Union, because we know there's no better time than now to start learning about managing finances.  That's why we offer a variety of accounts specifically designed to meet the needs of our youth members.

Plan 24 Junior

Your son or daughter's first savings account can have all the benefits of Mom's and Dad's.  With daily interest savings you can watch your child's account balance grow as they do.

  • Ages 0 to 18
  • No Monthly Fee
  • Unlimited debit transactions (exclusions listed below)
  • No Fee Annual eStatements or Paper Statements
  • No fee ExchangeTM  ATM withdrawals
  • Non ExchangeTM  ATM withdrawals $2.25 each
  • Foreign ATM withdrawals (outside of Canada) $5.00 each

Student Account

For those enrolled in Full Time schooling, please note that you must provide proof of enrollment annually.

  • No Monthly Fee
  • 25 Free debits, overlimit $1.00 each
  • eTransfers $1.50 each
  • Free eStatements (incl cheque images)
  • Optional Monthly Paper Statement (incl cheque images) $2.00
  • No Fee ExchangeTM ATM withdrawals
  • Non ExchangeTM ATM withdrawals $2.25 each
  • Foreign ATM withdrawals $5.00 each


An affordable account for everyone aged 18 to 24 years.  Learn about why  more youth than ever are starting at, sticking with, and switching to credit unions.

  • Low Monthly fee $2.50
  • 40 Free debits, overlimit $1.00 each
  • 4 Free eTransfers, overlimit $1.50 each
  • Free eStatement (incl cheque images)
  • Optional Monthly Paper Statement (incl cheque images) $2.00
  • ExchangeTM  ATM withdrawals, no addtional fee
  • Non ExchangeTM  ATM withdrawals $2.25 each
  • Foreign ATM withdrawals $5.00 each

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