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Geared toward young adults, age 16-26, who would like to take their first step toward financial empowerment. Whether you’re a student, working, or just establishing a banking relationship, SmartStart Checking is for you.

SmartStart Checking Account Perks:

No Monthly Fees

Earn Interest

FREE ATM Transactions

(Cardinal-Owned ATMs)

FREE Mobile Banking

FREE Online Statements

FREE Online Check Images

FREE Debit Card

FREE Direct Deposit

5 FREE ATM Transactions Per Month

(Non-Cardinal)

FREE Online Banking

Overdraft Protection

FREE Direct Deposit

The Cardinal Smart Option Student Loan® by Sallie Mae®

Get the Money you need for School

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. 

*For borrowers attending degree-granting institutions. 

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates, providing even more choice and flexibility 
  • No origination fees and no prepayment penalty 
  • 3 repayment options 
  • Smart Option Student Loan® 
  • Multiple in-school repayment options available 
  • Borrower benefits available—like rewards and interest rate reductions 
  • Rates that reward creditworthy borrowers 
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate 
  • 24/7 online account management 

Student VISA Card

Your busy lifestyle requires flexibility. Choose a VISA® card that can meet or exceed your expectations.

No Annual Fee

No Balance Transfer Fee

No Cash Advance Fee

1.99% APR

For every "A" you earn,
we'll pay $1.00*

*Eligibility limited to students in grades 1 through 12 that are enrolled in public, private, charter or home schools. Bring copy of student’s quarterly report card into any Cardinal Credit Union branch. Each student will receive $1 for every “A+”, “A”, “A-“, or “Outstanding’. Don’t delay- Open a youth savings account before school begins and Cardinal will waive the $5 membership fee. 

Call (440) 266-2200 or stop in today!

Money will be deposited into the student’s checking or savings account. Must have or open either checking or savings account in order to receive funds. Turn in report card to a Cardinal team member to qualify. This offer may be withdrawn at any

Share the Rewards

$25

REWARD

FOR A FRIEND

When your friend opens a new checking or savings account

PLUS

$25

REWARD

FOR YOU!

When your friend opens a new checking or savings account

A Simulation for high school students

Select grade levels are eligible to participate in “Mad City Money,” a live facilitated educational event sponsored by Cardinal. This 90-minute game challenges young people with the financial responsibilities of adulthood.

Mad City Money is similar to the game of Life. Students will take on the role of adults in futuristic Mad City and be given jobs, income, a family and, of course, debt.

The challenge? Students will visit merchants to purchase housing, transportation, food, clothing, day care, and other wants and needs, all while building a budget. The simulation is a fun, eye-opening competition that gives you an idea of what life is like on your own.

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