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:
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.
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. A parent or legal guardian must be added jointly to the membership. 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.
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.
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