Whether we want to admit it, teens are intimidated by all financial institutions whether it is a bank or a credit Union. But why?

To put it simply, we feel intimidated by those we think are superior to us, and in a teenager's mind credit unions rank superior. We are not cognitively mature enough to understand that credit unions are here to help us. Regardless of our financial situation, we need credit unions to help get us on track, save toward our futures and become responsible and stable members. Credit unions make us shake in our boots. To grasp the credit union's cold door handle and stride into a busy lobby with confidence is no easy feat.

It is the conception, activities and work credit unions execute that immediately frighten teens. A teller's friendly smile can ease the pain, but the idea of "no" hammering into our ears after applying for a $7,000 dollar car loan makes us want to run for the hills. Opening an account without the step-by-step guidance of our parents is almost impossible. It seems as though we need our mother's hand to walk us into a CU and sit with us side by side in order to get noticed.