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Youth Savings

Start Saving Early with a USSFCU Youth Savings Account

With USSFCU's free, dividend-bearing account, children can watch their savings grow. USSFCU Youth Savings Accounts make it easy for friends and family to contribute to children’s savings goals or reward them for achieving personal milestones!

  • Available to young savers up to 18 years of age
  • Competitive dividends earned on account balances
  • No service fees
  • Free onlinemobiletelephone banking, and eNotices*
  • Easy-to-use deposit options for family and friends
  • A $5 minimum balance to open

Reg D Transaction Limits Lifted - The Federally mandated transaction limitation placed on savings and money market accounts has been lifted by the Federal Reserve. You are no longer limited to only 6 monthly withdrawals, transfers or transactions with Primary Savings, Youth Savings and Money Market accounts.

RATES

Early Learners (Ages 3–7)

Help young children explore the basics of money with interactive play and simple concepts.

  • Color Your Coins

Visit the U.S. Mint’s H.I.P. Pocket Change™ site for printable coin coloring pages and activities

  • Money Concepts for Kids

Money as You Grow from the CFPB introduces saving, sharing, and spending through storybooks and conversation starters


Tweens (Ages 8–12)

Help tweens start building strong money habits with these fun, age-appropriate resources.

  • Practical Money Skills

Games like Peter Pig’s Money Counter and Financial Football make learning about saving and spending fun and interactive.

Visit Site

  • EconEdLink – Family Financial Fun Pack

This downloadable activity pack helps families talk about money through games, worksheets, and real-world examples—great for ages 8–12.

Explore the Pack


Teens (Ages 13–17)

Teens are gaining independence—and that means learning how to earn, save, and manage money wisely. These tools help them prepare for financial decisions now and in the future.

  • 50/30/20 Rule Coach Session

No matter where your money comes from—jobs, gifts, or allowance—managing it wisely is key. This interactive Coach session teaches the 50/30/20 rule for dividing money into needs, wants, and savings, with simple, step-by-step guidance.

Launch the Coach

  • iGrad Financial Wellness Platform

This interactive platform helps teens explore financial topics like budgeting, saving for college, managing debt, and understanding paychecks—all in one place.

Visit iGrad for Students

  • Saving for College Starts Now

Find tips on preparing for college costs, scholarships, FAFSA, and smart borrowing strategies.

Explore College 101


We do not intentionally collect data or personal information from children under 13 years of age. Third-party websites are for educational purposes only and are not intended to be an endorsement by USSFCU.

Deposits at all federal credit unions and the vast majority of state-chartered credit unions are covered by National Credit Union Share Insurance Fund (NCUSIF) protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the NCUSIF. Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. 

For questions about the NCUA’s share insurance coverage, call 1.800.755.1030, option 1, Monday through Friday, 8 a.m. to 5 p.m. Eastern, or send an email to [email protected]. This toolkit contains a variety of helpful resources for credit unions regarding the Share Insurance Fund.

Share Insurance Toolkit from MyCreditUnion.gov

The toolkit has great resources like estimators, publications, videos and more.

Share Insurance Toolkit

 

Youth Savings Accounts (YSA) are available for children up to 18, or 21 if designated, years in age based on the District of Columbia Transfers to Minors Act. A $5.00 minimum deposit and a one-time membership fee of $1.00 is required to open a YSA. Minor identification is required. YSA may be established from another share account as a joint account with an adult (minor access allowed) or as a custodial account. Custodial accounts do not allow for access to the account beneficiary (minor) and can be established under the Uniform Gift to Minors Act or the Uniform Transfer Minors Act. 

USSFCU YSA Annual Percentage Yield equals 0.10%. The minimum balance to obtain the APY is $5.00. Rates effective as of 4/01/2025 and subject to change without notice. Fees may reduce earnings. View all USSFCU savings account rates, terms and conditions at ussfcu.org/rates.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

Read More testimonials.