Kids and Teens

From infants to young adults—Hughes works with kids of all ages

No matter what stage of life you're in, Hughes is here to help you manage your money. If you're just learning to save and budget, on your way to buying your first car or trying to figure out how to pay for college—we can help.

We have several accounts and features for children of all ages, from birth to 17. Check out all the options10 Best Finance Resources For Teens

My First Account, for expecting parents & newborns

All Stars, ages 0- 11

Hughes Financial Teen Scene, ages 12-17 

Young Adults, ages 18-25

Elements of Money 6th Annual Tweet for College ScholarshipTweet for College

Hughes Federal Credit Union in conjunction with our teen program Elements of Money, is participating in a nationwide scholarship for high school juniors and seniors.

Scholarship Requirements

  • Must be a member of the Elements of Money program. Credit union membership must be verified prior to funds disbursement.
  • Must be a high school junior or senior who plans to enroll in a full-time course of study at an accredited college or university.
  • Must have a Twitter account.
  • Must follow @ElementsofMoney on Twitter to be notified.
  • Winners must be willing to allow us to use their name, Twitter username and photo for promotional purposes.

DEADLINE: Applications via Twitter will be accepted beginning Wednesday, January 14, 2015. There will be one winner every two weeks, ending Tuesday, March 10, 2015. An overall winner will be announced Monday, March 16, 2015

For complete information click here or visit

Hughes 10th annual scholarship program! Deadline to apply is March 14, 2015. 

Hughes is awarding four (4) scholarships to high school seniors who are members of Hughes. Scholarships will be awarded to those students who have shown scholastic excellence, participated in community service and are interested in advancing their education. Winners will receive $2,500, $2,000, $1,000 or $500.


  • Must be a high school senior entering a college, university or trade school in the fall of 2015 upon graduation.
  • Must complete the application form.
  • Write an essay on the topic below. Your essay can include an advertisement, visuals and/or a :30 second video. Be creative. There is no set template for a winning essay!
  • Must be a primary member of Hughes Federal Credit Union, in good standing.
  • Cannot be related to any Hughes employee or board of director member.
  • Essay must be printed or typed. Applicants can provide a link and/or email their video to


Submit your completed applications and essay to:
      Hughes Federal Credit Union
      Attn: Scholarship Comittee
      PO Box 11900, Tucson, AZ 85734
      Fax: 520-205-5699

The higher education institution must be an accredited college, university, business or trade school. Applicants must have a Main Share Savings account in their name at the Credit Union with a $50 par value share minimum balance. The Credit Union will notify all applicants of the results. All applications received become the property of Hughes and will not be returned. Scholarship applications will be available beginning January at any Hughes branch or by calling the Scholarship Committee at 520-794-8341 during regular business hours. Please do not email confidential information. Certain restrictions apply.

Make tracks to KidCats Club® for lots of UA fun!Logo_ClubArizona

We're inviting all kids in grades K-8 to join KidCats Club. It's the fun and exciting way to get involved with the University of Arizona® and show your Wildcat spirit. Your FREE membership includes all this:

  • Your own KidCats Club membership card
  • $1 admission to select athletic events
  • News about special programs and events
  • Birthday card from your favorite Wildcats Wilbur & Wilma
  • KidCats Club t-shirts for only $10
  • Much more!

Join KidCats Club today!

Attention Teachers: Introducing Classroom Cats

We are excited to announce the Classroom Cats program presented by the Arizona KidCats Club and Hughes Federal Credit Union. Through this K-8 grade program, teachers will be able to sign up to become a member for FREE. Once a member, teachers will receive a poster for their classroom, educational materials, a newsletter, exclusive contests and opportunities. Educational materials include reading comprehension, puzzles and more to come!  

Through the K-8 Classroom Cats program, teachers will also gain the opportunity to sign up for Arizona Athletic's new Pen Pal Program. Through this exclusive program, classrooms will write letters to a student-athlete who will then correspond with the classroom throughout a semester. Students will gain the opportunity to develop a connection with an older, positive role model while improving their reading and writing skills. This is also a great experience to promote fitness, emphasize the importance of academic success and help students create goals of higher education.

Click here for more information and to sign up!

Become a financial whiz kid!

Hughes Federal Credit Union is proud to be the title sponsor of the University of Arizona's KidCats Club®, an exciting opportunity for kids to show their Wildcat spirit. Club Arizona members get super discounted rates to UA events as well as special access to financial education programs and savings accounts through Hughes! It's never too soon to become a Wildcat or to play it smart right from the start when it comes to savings.

Join KidCats Club today! Sign up now at or visit your nearest Hughes branch.

Click to print Arizona KidCats coloring pages.

$50 monthly drawings exclusively for kids and teens!Logo_SlamDunk

Hughes makes saving and earning even more rewarding for kids and teens. Deposit your allowance, birthday cash or other money you've saved in your interest-earning Hughes account, and for each month you make a deposit, you're automatically entered to win $50 in our monthly drawings.* Just a $5 minimum monthly deposit for kids up to age 11 and just $10 minimum deposit for those 12 to 17 years of age.

*No purchase or payment of any kind is necessary for entry into the promotion. A purchase or payment of any kind will not improve your chances of winning. Odds of winning depend on the number of eligible entries received. Certain restrictions apply. You must be a member of Hughes Federal Credit Union to participate in the promotion. Residents of New York, Florida, Rhode Island and Puerto Rico and other U.S. territories are not eligible for entry. Hughes Federal Credit Union members can also enter the promotion by having their parent or guardian mail in a completed Entry Consent Form available at any Hughes location and by sending to Hughes Federal Credit Union's Kids' Savings Promotion, PO Box 11900, Tucson, AZ 85734. Only one entry per person. The promotion runs from January 1, 2015 through January 2, 2016. For more information, see the Official Rules.

Kids Make CentsLogo_BearEssencialNews

See our Kids Make Cents pages in Bear Essential News for kids, a monthly publication to educate, enrich and entertain children and their families. Our page includes activities and information about money.

Click here to see past issues of Kids Make Cents.

All Stars Club

Hughes Starts Kids off on the Right Foot

If you're age 11 or younger, you qualify to be an All Star member. You'll get lots of great membership perks, including:

Club Benefits:

  • A fun kids' passbook to help you track your savings and a quarter coin saver to help you save even more!
  • Earn interest with our Youth Term Share Account. Open with a minimum of only $100! Your savings are insured by the NCUA.
  • Watch for fun kid events with Howie! Stick with Hughes and Howie Javelina to learn about making your money grow. You'll have chances to win prizes and special giveaways all year long!
  • Get a gift and card from Howie on your birthday!
  • Learn more about keeping money in your pocket with our quarterly newsletter that you get with your statement.

Click to print All Stars Club Coloring Pages.

Youth Newsletters

Howie Javelina's All Stars Club is Howie Javelina's quarterly newsletter with games, activities and special articles for kids up to age 11. View Howie Javelina's All Stars Winter Newsletter.

Click here to see past issues of Howie Javelina's quarterly newsletter.

Children's Online Privacy Protection Act (COPPA)

Hughes financial teen scene

Hughes selected as 10 best finance resources for teens10 Best Finance Resources For Teens

From big names to up-and-comers, experts share their picks for top resources in the personal finance industry. Hughes was selected as 10 Best for Teens for our money know how and support of financial education. 

Get free music downloads for completing financial education courses online!

Designed for teenagers, these courses teach teens how to manage and use their money.

The courses are quick, interactive and fun. At the end of each course, teens can download free music!


Each time a teen member completes a 10-20 minute Guides to Independence online money course, they earn one FREE music download from the eMusic® library of more than 2.5 million songs.

To take advantage of this great opportunity, click on the "Guides to Independence" logo to the right and choose a course. To redeem your free download, go to and click on "Sign Up" if this is your first visit, or click on "Login" if you have already registered.

Certain restrictions apply. While supplies last.

Benefits of Membership for Teens

How Do I Join?

All it takes is a $50 minimum deposit to become a member. You may also take six months to bring your balance up to $50. Learn more about becoming a member.

Did you know you can earn money when you save money? It's true. Our savings accounts always earn interest. Click here to learn how interest works.

Hughes Financial Teen Scene Newsletter

Hughes Financial Teen Scene is our quarterly newsletter covering all the most important financial topics for teens. View our Hughes Teen Scene Winter Newsletter.

Click here to see past issues Hughes Financial Teen Scene newsletters.

Children's Online Privacy Protection Act (COPPA)


Young adults

Building a Successful Foundation for Young Adults

When age 18 rolls around, certain financial needs become very important, like funding for college or a car. Hughes Federal Credit Union knows how to start our members ages 18 to 25 on the right foot with resources and information.

Financial Independence

With our free interest-earning checking you'll enjoy no minimum balance, no per-check fees, no monthly fees and earn a competitive rate on your balance. Enjoy ATM access worldwide. Visa® debit cards are available for qualifying members. Enroll in our free Online Banking, Mobile Banking, eStatement and Bill Pay.

Buying a Car

Turn to Hughes for your first new or used auto loan. Learn more about our First-Time Vehicle Buyer Loan. We offer an easy application, quick approvals and terms up to three years. Apply online or call an AnyHour Loan Representative at 877-999-LOAN. Check out For Sale for car-buying tips and resources.

Graduating and Planning for College

Sign up for GradFunds to make it easy for family and friends to give the gift of cash. Make sure you can access cash while you're at school with our Prepaid Reloadable Visa® Cards are ideal for students. Use them anywhere Visa is accepted!

Your First Job

There are some important and simple steps to take once you start your first job. One is to sign up for direct deposit. Check to see if your employer offers this, and if so, sign up with us. When payday rolls around, your check will be automatically deposited into your account.

Another important step is to start saving. The easiest way is to determine a specific amount to be taken from your checking account and put into savings at the same time each week or month. Use our No Excuse Savings program to get started. Another way you can start building your savings early is by opening a You Name It Savings, or a Holiday Club Account.

To earn a higher rate on your savings, consider a High Yield Savings or a Term Share Account.

Getting Married

Add your spouse to your account by completing the joint owner section of our membership application. Start your new life together by consolidating your debt and save with our low-rate personal loans.

Buying a Home

Take advantage of our First-Time Home Buyers Program for your first home loan. Enjoy no application fees, free pre-approvals, competitive rates, free loan consultations and discounted closing costs. Apply online!

Having a Baby

Sign up for My First Account Gift Registry and make it easy for family and friends to give the gift of cash. As soon as you have your baby's social security number, you can establish an account in his or her name.

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