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Youth Accounts

We aim to help kids and teens develop healthy financial habits. Whether your child is a kid or a teen, we provide various account types to teach them financial responsibility and help them achieve their savings goals.

Open a Lil-Stars Savings, Five-Star Savings, or Five-Star Checking, and your child or teen will be entered for a chance to win a game console!¹

Lil Star Savings

Get them started young! It's never too early for the youngest in the family to start learning about the importance of saving money. A Lil Star Savings account is perfect for any legal dependent of the primary member.

Ages 0-12
$5.00 Minimum opening deposit
Earns dividends based on a tiered structure, compounded and paid monthly
No minimum balance requirements
Access to all the benefits of membership at HPCU

Open an Account

Five-Star Savings

Whether saving for a car or college, a Five Star Savings account can help your teen get a jump start on achieving their financial goals! Plus, they get access to our other products and services, including Share Certificates and more!

Ages 13-17
$5.00 Minimum opening deposit
Earns dividends based on a tiered structure, compounded and paid monthly
No minimum balance requirements
Access to all the benefits of membership at HPCU

Open an Account

Five-Star Checking

Are you searching for a great starter account for your teen? Launch your teen toward financial responsibility with our Five Star Checking account! Joint ownership allows for guidance and monitoring.

Ages 13-17
$25.00 Minimum opening deposit
No monthly service fee
No minimum balance requirement
Telephone, Mobile, and Online Banking
Debit Card
Access to over 55,000 fee-free Allpoint® ATMs worldwide

Open an Account

¹This offer is for a limited time only and is subject to change without notice. Prize has no cash value. Offer only valid for New Youth Accounts opened between March 9, 2026, and March 31, 2026. All new accounts must be opened no later than Tuesday, March 31, 2026, at 5:00 PM CST. All accounts must remain open through the end of the promotional period to maintain entry. No purchase necessary. Mail a 3x5 index card with your name, phone number, and email address to 1600 Memorial Drive, Houston, TX 77007 for a chance to win. HPCU membership is open to all law enforcement officers, civilian employees, and their family members in Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, San Jacinto, and Waller counties.