Youth Accounts
Money skills start here
Helping Young Savers Build Bright Futures
Teaching kids and teens about money starts with the right tools—and the right support. Whether they're learning to save birthday money, earning their first paycheck, or preparing for future goals, our youth accounts are designed to help young members grow their confidence with money—one step at a time.
As your local credit union, we're here to support every stage of your family's financial journey with simple, personalized banking designed to grow alongside them.
Why Families Choose 1st United:
Limited Time!
10.00% APY Youth Certificate SpecialMaximum Balance $1,000
Help the young saver in your life get a head start on their financial future. Open a 10-month youth certificate account using promo code YOUTH10 today! Offer expires December 31.
Youth Savings Account
A simple way for kids to start building healthy savings habits early. Perfect for birthdays, allowances, summer jobs, and future goals.
$5 minimum opening deposit
Great for first-time savers
Youth Certificate Account
Help turn today's savings into tomorrow's opportunities. Youth certificate accounts offer a secure way to grow savings with competitive fixed rates. Plus, for a limited time, you can earn 10.00% APY on a 10-month youth certificate.
$25 minimum opening deposit
High-yield interest rates
Great for long-term savings goals
Youth Checking Account (Ages 12-17)
Built for growing independence, our youth checking account helps teens learn real-world money management with the convenience of digital banking and debit card access.
No monthly fees
Debit card access for everyday purchases
Digital banking tools to monitor spending
Learn more about your savings options. Contact us.
Membership youth savings: $5 in a regular savings account is required to maintain your membership. Members age 17 and under require an adult joint owner. Youth certificate: Dividends are paid monthly based on average daily balance. Dividends will be compounded and credited monthly and at maturity. Fees could reduce actual earnings. Withdrawal: Allows a penalty-free withdrawal of your interest at any time. Add-On: If your certificate has an add-on feature, add-ons are limited to $10,000 through the duration of the certificate. Checking: Checking account and debit card establishment are subject to approval through a consumer reporting agency. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. Youth certificate special: Only available to members age 17 and under with promo code YOUTH10, is limited to one per member, and is limited to a maximum of $1,000, plus dividends. Allows a penalty-free withdrawal of your interest at any time. A penalty will be charged for early withdrawal of principal balance. Dividends will be compounded and credited monthly and at maturity, and are paid monthly based on average daily balance. 10-month certificate rolls into a 12-month certificate upon maturity. Membership is required and established by opening a youth savings account.
Youth Savings Accounts
Our youth savings account is designed specifically for those 17 and under. Visit a branch to receive a free Road to Savings map – a fun and interactive way to earn prizes as you reach your savings goals. A youth savings account requires an adult joint member.
