We're good teachers, and financial education is our specialty.
  • Youth savings accounts
  • Teen checking accounts
  • Free online banking

Kids grow up fast, and they have a lot to learn. One important lesson is how to handle money responsibly. We're happy to provide resources they need. Florida Credit Union's youth savings and checking accounts provide a safe place for money from allowances, gifts and part-time jobs, and they come with educational features that will help turn your child into a financially responsible adult.

This growth-focused youth savings account is designed to provide young savers with a safe and rewarding place to begin their financial journey! 

  • Interest paid on balances - earn 5% APY1 for balances up to $750.
  • No monthly maintenance fee.
  • No minimum balance requirement.
  • Only $5 minimum to open savings account.2
  • Parent can access account via online or mobile banking.
  • Low balance alerts available3 for email and mobile.
  • Free budget-planning tool kit to help young people set savings goals.

Receive a free piggy bank (ages 0–9) when you open a youth account in one of our conveniently located branches!


As your child gets more mature about money matters, he or she can take advantage of other FCU offerings:

  • Teens 16 and older can open Youth Checking Accounts4
  • Teens 16 and older can get free Visa® debit card with chip technology for security
  • Young people can open Club Accounts to save money for holidays, spring break and more

1. Annual Percentage Yield (APY) is effective as of 5/1/2019 and subject to change at any time. Balances $750.01 and above will earn 0.10% APY. Dividends are compounded daily and credited to the account quarterly; fees may reduce earnings. $5 share savings account required for membership. Visit flcu.org for membership eligibility requirements.

2. $5 deposit required to open account online. No minimum balance required to keep account active.

3. Text or data rates may apply.

4. Youth Checking Accounts are only available to children 16 years or older with a parent or legal guardian on the account.

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