District CU SMARTY or Teen Checking account, with optional parent checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $25 for 1 day, the tier that adds the most.
Yearly rate on $25 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$100$25$100 bonus · 1 day
- +$300$25Best for you$300 bonus · 1 day
The math
Compared with leaving $25 at 4.15%
Set up a direct deposit · All accounts active at least 90 days; contact the CU after 90 days to claim · Deposit $25 in new money within 1 day. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Set up a direct deposit
- 2All accounts active at least 90 days; contact the CU after 90 days to claim
- 3Deposit $25 in new money within 1 day
- Ends
- No end date listed
- Where
- Colorado
- Monthly fee
- None
- Keep it open
- At least 90 days, or the bonus can be taken back
- Cash stays
- About 1 day
- Bonus paid
- Usually within 90 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the District CU SMARTY or Teen Checking account, with optional parent checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25 tier adds +$300: the $300 bonus, minus the $0 that cash would have earned in 1 day. The $25 tier adds +$100. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Set up a direct deposit; all accounts active at least 90 days; contact the CU after 90 days to claim; deposit $25 in new money within 1 day. Open to residents of Colorado.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.