Junior Accounts

Accounts for Members up to the age of 16 can be opened by the minor, parent or guardian


Junior members must also satisfy our common bond requirements, they must either live or go to school in our common bond, which comprises of Ardee, Collon and Louth.

All you need is:

  1. Birth Certificate for the child
  2. Proof of PPSN for the child
  3. Proof of address. Current utility bill/bank statement of the parent/guardian.
  4. Photo ID. Licence or passport of the Parent/Guardian

Only parents or legal guardians can open the account.

No fee applies.


Its never too early to start.


Top tips for parents to help children develop smart money habits

  • Pocket money is a good way to help children learn to make their own decisions and live with them. How much to give will depend on age, maturity, responsibilities and the family’s financial situation.
  • Give the pocket money in small denominations to encourage children to put some aside as savings.
  • Consider linking pocket money to chores. Pocket money must be earned, the same way Mum or Dad earn money by going to work.
  • Give advice to children but let them make their own spending decisions and mistakes. Don’t scold for mistakes; instead help them to see the error of their ways and learn for the future.
  • Play simple counting games with notes and coins with young children.
  • Consider rewarding children for regular saving (perhaps topping up savings).
  • Make saving interesting. Develop a savings plan or calendar to show when and how the goal can be reached or help children to paint a picture of what they’re saving for.
  • Let children learn that they have to save up to buy something they really want. Don’t let them get into the habit of running to you every time they need more money.
  • Children love stories from their parents’ experiences. Talk to them about when and how you started saving, whether it was wisely invested and how it grew and anything you might have learned from the experience.
  • Explain how interest works. When you put money in a savings account, these savings earn more money at the end of the year.
  • Give children a piggy bank to help them save or, better still, bring them down to the local credit union to open a savings account.


Ardee Credit Union and national schools in our area work together to actively encourage our young people to save a little and often.

Mini Credit Union schemes operate in the following National Schools in our area.

  • Ardee Educate Together
  • Ballapousta National School
  • Collon National School
  • Heronstown National School
  • Louth National School
  • Monastery Boys National School
  • Newtown National School
  • Scoil Mhuire Na Trocaire National School
  • St Peter and Pauls National School
  • Tallanstown National School

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