Student Accounts

HEADSTART® Account (13-24 years)

An account specifically designed to meet the needs of student members 13 to 24 years of age. We know how overwhelming the transition to post-secondary school can be, so we want to help make it as easy as possible by offering a wide range of student services. Students must provide annual proof of enrollment in Post-Secondary Education after the age of 18.


  • $5.00 share paid by Vanguard, property of member after account has been open for 1 year
  • 0.10% Interest bonus on HEADSTART® Savings accounts calculated on the closing daily balance and paid monthly
  • No ATM, Direct Payment or per cheque fees
  • No fee Money Orders or Traveller’s Cheques
  • Student MasterCard (O.A.C.)
  • INTERAC e-Transfer†
  • No fee in branch debits/credits
  • MEMBER CARD® debit card available at no cost
  • CU@HOME® Internet Banking
  • Basic personalized cheques provided at cost
  • Entitled to purchase GICs and term deposits, minimum $100

No Fee U.S. Premium All-in-One

Vanguard Credit Union is happy to offer students the No Fee U.S. Premium All-in-One account. This account has features of both a chequing and a savings,and the best part is there are no fees. This account is made for the convenience and security of students who plan to attend school in the United States.


  • Requires no minimum balance
  • Calculates interest on the closing daily balance
  • Interest paid monthly
  • No per cheque fees
  • Student MasterCards available on approved credit to students 18 years & older
  • Personalized cheques provided at cost



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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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