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Youth Savings

Help your children develop healthy savings habits that will serve them throughout life by opening a USSFCU Youth Savings Account! With this 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 in 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





Our partners at EVERFI are offering FREE digital learning tools for students! Choose from topics like Financial Capability, Mental Wellness, and Career Exploration in a fun game-like format! CLICK HERE to get started.


Savings accounts for kids offers far more value than a place to deposit money.

By giving kids the experience of depositing money into their account and then watching the numbers increase as they make more deposits, they are able to see, feel and experience the benefits of financial addition.

Unlike a piggy bank or money in a jar that can be accessed on impulse, savings accounts for kids require children to take a series of steps in order to access their cash. When children go to the bank to withdraw their cash, they learn to slow down and think through the impact of their purchase — before buying on impulse.

Savings accounts for kids allow them to learn that they have control over money, based on the choices they make. When kids have their own accounts, they are empowered to set goals based on what they feel is important, and establish the self-discipline to make the choices required to reach them.

Saving consistently is an important behavior that kids can learn by having their own savings accounts, even if they contribute only a small amount of money into their account every week or month. Little by little, they’ll see their balance grow, while absorbing an important fact of saving: Consistency is key. As they get older and start to earn money, the act of making consistent deposits can help them form positive financial habits.

The sooner you proactively educate children about how to manage their money, the more likely they’ll become financially savvy adults. Financial education can be instrumental in helping children develop health money habits. Check out the websites below for unique resources on teaching and engaging young savers.

This is not intended to be an endorsement by USSFCU.

Youth Savings Accounts (YSA) 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 one-time membership fee of $1.00 is required to open a YSA. Minor identification required. YSA may be established from another share account as a joint account with an adult, or as a custodial account. YSA can be established as a custodial account under the Uniform Gift to Minors Act or the Uniform Transfer Minors Act. *Data carrier rates may apply.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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