Youth Savings
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 online, mobile, telephone 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.
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.
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Practical Money Skills
Games like Peter Pig’s Money Counter and Financial Football make learning about saving and spending fun and interactive.
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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.
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.
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.