April 2026 Youth & Young Adult Challenges

Start Smart: Real-Life Money Skills for Teens: Ages 13-17

April is Youth & Financial Literacy Month, and there’s no better time to help teens build money habits that will last a lifetime.

Between first jobs, saving for a car, or just learning how to manage spending, the teen years are where financial confidence begins. At Downeast Credit Union, we believe learning about money shouldn’t feel overwhelming—it should feel empowering.

Here are a few key lessons every teen should start learning now:

1. Saving First, Spending Second
Even small deposits add up. Setting aside money regularly builds discipline and confidence.

2. Understanding Needs vs. Wants
That daily coffee or online purchase adds up quickly. Learning to prioritize is a powerful skill.

3. Setting Goals
Whether it’s a new phone, a car, or college savings—goals make saving meaningful.

4. Building Independence
Having their own account helps teens take ownership of their financial future.

To celebrate Youth Month, we’re making it fun to get started:

• 💰 $10 Deposit Match for new youth accounts
• 🎉 Chance to win $100
• 📈 Special 4.50% APY Youth CD (Certificate of Deposit) for 12-Months

It’s never too early to start smart—and we’re here to help every step of the way.

👉 Ready to begin? Open a Youth Account today!

Take the Youth Challenge for Ages 13-17

Your Money, Your Future: Financial Basics for Young Adults Ages 18-21

As young adults step into independence—college, careers, or managing bills—financial knowledge becomes more important than ever.

Youth & Financial Literacy Month is the perfect time to build confidence with money and set yourself up for long-term success.

Here are essential financial habits to focus on:

1. Budgeting Basics
Know what’s coming in and what’s going out. A simple plan prevents financial stress.

2. Credit Awareness
Understanding credit scores now can make a big difference later when buying a car or home.

3. Emergency Savings
Even a small cushion can protect you from unexpected expenses.

4. Smart Saving Strategies
Higher-yield options—like CDs or Certificates of Deposit —can help your money grow faster.

To help you get started, we’re offering:

• 🎉 $100 Giveaway Opportunity
• 📈 4.50% APY Youth CD (under 18)
• 💡 Financial education resources

No matter where you are in your journey, it’s never too early—or too late—to take control of your financial future.

👉 Take the next step with Downeast Credit Union today. Open an Account today!

Take the Young Adult Challenge for Ages 18-21

*Quarterly $100 Contest Giveaway: Members of Downeast Credit Union ages 13-21 may complete a quarterly quiz to enter the giveaway. Quiz should be delivered in person, completed online, or mailed to your local branch by the last day of each quarter. One random entrant will be selected each giveaway period and funds will be deposited into their DECU savings account. No purchase necessary; alternate option to enter is to send a postcard with your name, phone and address to your local branch. Winner may be responsible for any taxes on the winnings and may be asked to sign a media release. Federally Insured by NCUA.