Youth Savings Accounts

Earn 5% APY1 with a Youth Savings account!

Young savers who open an account with Florida Credit Union can look forward to grown-up returns with our limited-time 5% APY1 on balances up to $750!  Florida Credit Union youth accounts are designed to help youth get off to a great financial start with a safe and rewarding place for funds to grow.

FCU Youth Savings Accounts also come with the following benefits:

Earn 5.00% APY1 for balances up to $750.

No minimum balance requirement.2

Parent can access account via online mobile banking.

Low balance alerts available3 for email and mobile.

No monthly maintenance fee.

Get a piggy bank (ages 0-9) at account opening.

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Youth Savings 4.90% 5.00% $0.01 $0–$750.00
Youth Savings 0.10% 0.10% $0.01 $750.01 and more

Interest compounded quarterly; Dividend credited quarterly

Rates effective as of 4/29/2019 and subject to change at anytime

Ready to get your young saver started on the path to financial success?

Stop by your local office today and receive a free piggy bank when you open a youth account in the branch!



How can I teach my kids about savings?

All parents want their children to know the value of a dollar. Whether in high school or pre-school, instilling financial literacy now ensures that your child has a strong foundation for financial decision-making in the future. At Florida Credit Union, it’s about more than the perks and we’re interested in helping young savers grow more than just their money.

Take a look at the resources we’ve compiled on useful ways you can improve your child’s financial knowledge:

7 Lessons For Your Kids - Teach youth how to manage money with these important financial management principles.

Allowance as a Financial Tool - This resource provides a framework for giving an allowance that children can learn from.

The Mint - Discover financial education tips for parents, as well as resources for teaching children sound financial habits.

"Money as You Grow" campaign - Benefit from this collection of tools and activities designed to help children develop and measure their financial capability.



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 quarterly and credited to the account quarterly; fees may reduce earnings. $5 share savings account required for membership. Visit 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.


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