Youth Accounts



Help Build Their Future

We want to help you and your child build a solid foundation to provide everything needed to take the first step towards financial health.


Jump Start Savings
Eligible for Early Savers (Ages 0-13) and Smart Spenders (Ages 14-17)
Open Account




Earn 2.00% APY* On The First $5,000.00
Earn 0.05% APY* on $5,000.01 and up




Only $1.00 To Open Account
Establish credit union membership



No Monthly Service Fees




Birthday Gift
Postcard redeemable for a gift at any branch



Account Opening Gift
Provided upon account opening at any branch


*APY is Annual Percentage Yield. A Jump Start Savings account is for ages 0 to 23 only. If younger than 18, the child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a Primary Share Savings account when the member reaches age 24. A Jump Start Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Dividends calculated daily, compounded/posted quarterly. Rates effective as of 12/01/2024. Rates subject to change. Third party data or messaging rates may apply. 

High Yield Checking
Eligible for Smart Spenders (Ages 14-17)
Open Account

Account can be opened with or without adult joint owner.




Earn 3.75% APY* On The First $15,000.00
Earn 0.05% APY* on $15,000.01 and up



Requirements Waived
Standard fees and requirements are automatically waived for Smart Spenders (ages 14-17)



No Monthly Service Fees




One Free Box Of Standard Checks Annually




Free Visa Rewards Debit Card
Earn one point for every $4.00 spent on Signature based transactions



Loyalty Relationship Rewards
Automatic qualification and no requirements



Birthday Gift
Gift of 1,000 bonus Loyalty Reward points will automatically post




Account Opening Gift
Provided upon account opening at any branch location


*APY is Annual Percentage Yield. A High Yield Checking (requirements waived) account is for ages 14 to 23 only. Normal High Yield Checking account fees and requirements will be effective at age 24. Rates effective as of 12/01/2024. Rates subject to change after account is opened. Fees may reduce earnings. Third party data or messaging rates may apply.

What Members Are Saying

My grandson has a child's savings account at Y-12 FCU. I like that his account will grow with him. The account will help teach him money savings and spending as he grows.

Theresa

I took my two teenage kids to a branch to open accounts, and Y-12 FCU welcomed them like family. ❤️

Angela

I have always enjoyed and benefitted from using Y-12 FCU since my childhood, and I am pleased to now have Y-12 FCU serving my children for their banking needs.

Elizabeth