Youth account members have full access to the account, and nearly full access to all the services that we provide at the Credit Union. The account requires a joint party until the youth member is 18 years of age. A youth member can have a Visa Debit Card issued at any age, and they are able to have a Visa Credit Card with a joint party/co-borrower. OU Credit Union offers youth accounts more so to help these members with positive savings habits, to create opportunities to learn about finances and familiarity with visiting or contacting the credit union. Youth members can also participate in contests throughout the year and win prizes.