Personal > Youth Accounts

Baxter Bear With First Responders At Event In Rio Arriba

Youth Accounts

Helping kids choose the right path.

A lifetime of financial literacy means getting started early

Designed to help young people develop an understanding of financial matters and the disciplined habits that pay dividends throughout life, DNCU’s Baxter Bunch and Score! Programs provide savings accounts with low $5 minimums, no additional deposit requirements and plenty of cool perks.

For the youngest in the family

Baxter’s Bunch Program makes finances fun and throws in benefits that your child will love.

  • Bear


    .25% dividend rate increase on Share Savings or special youth Share Certificate account

  • Bear

    That Special Day

    Celebrate their arrival in the world with an annual birthday card from Baxter the Bear

  • Bear

    Savings Surprise

    A passbook to keep track of deposits & a small gift from the treasure chest for each deposit

  • Bear

    Clever Reading

    Enjoy educational and fun newsletters designed just for the kids

Enrolling your child in Baxter’s Bunch is easy

To sign up, visit a DNCU branch with your driver’s license and social security numbers for you and your child.

Find A DNCU branch

I love DNCU because it is and always has been there for all the northern New Mexico communities.They help our communities with programs for kids and food distribution during the pandemic. Shout out to all the awesome staff at DNCU for the great customer service. I also love the annual Shred Days!

— Christina C., DNCU Member

The SCORE! Program

Help teens take their first financial steps with tools for saving and learning.


A Score! savings account, which earns .25% dividend rate increase on Share Savings or special youth Share Certificate account.

A Practical Education

Easy-to-access online eLearning courses designed to teach teens how to manage money responsibly

Sharing The Credit

The optional SCORE Credit Card** is your teen’s first credit card with perks — all under your control and supervision.

  • Gives your teen a chance to build a strong credit history
  • Teens learn how to use credit responsibly and repay debts
  • Our cards have a low $300 limit for your peace of mind
  • Teens can use for trips, gas or when running errands for you
  • Online account access for easy activity monitoring
  • Subject to credit approval
score card

SCORE Credit Card Eligibility

To be eligible for the SCORE Credit Card, teens and parents/guardians are required to complete at least three of the more than 40 online courses available. A few recommended courses are listed below. Once courses are complete, sign the letter below and contact our Lending Center at 888-278-5228 to apply.

  1. Teaching Children How to Budget*
  2. Budgeting 101
  3. Budgeting Steps
  4. Budgeting Mistakes
  5. Tracking Your Expenses
  6. How to Establish Good Credit

*Required course for all borrowers.

Download the Score Credit Card Acknowledgement Letter (PDF)

Education is the key to a strong financial future

We make it easy for teens to learn about money management in the comfort and safety of their own home.

Visit Greenpath University

Ready to SCORE?

SCORE! Program and SCORE Credit Card accounts may be opened in-person at any of our branches.

You can also open a SCORE Credit Card account by calling (505) 455-5356 or (888) 278-5228.

Find A Branch

Join us

Become a DNCU member
Apply now
Stop by one of our branches
Find your closest branch
Call us

505-455-5228 or
(877) 818-3628 toll-free.


** Teens are eligible for the credit card if they have a current Score account, are 16 years or older, have successfully read with parents and discussed the required online articles. Parents/guardians are legally liable for any card charges. The Score Credit Card is an optional part of the Score program.