Youth Savings
Youth Savings
Celebrate Youth Month with $50 for Your Child’s Future!
This April, we’re celebrating Credit Union Youth Month by helping kids jumpstart their savings. Open a USSFCU Youth Savings Account between April 1–30, 2025 and use promo code YOUTH50 to receive a $50 bonus deposit into your child’s new account. Terms and conditions apply. See below for complete offer details.*
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.
Financial Literacy Resources & Guidance for Youth
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Color your own coins with these fun coloring pages from the U.S. Mint. Click the coin below or visit the U.S. Mint's H.I.P. POCKET CHANGE KIDS SITE.
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Give your brain a workout with these fun and educational games from Visa.
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Fun Websites
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.
How Does Share Insurance Work?
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.
*Limited time offer. Valid April 1-30, 2025. Qualifying youth shares established during April 1-30, 2025, will receive a bonus credit of $50.00. Credit will be issued by electronic deposit made to new minor account within 30-60 days of open date. Account must meet standard USSFCU youth savings account requirements to qualify for this offer. Void where prohibited. USSFCU reserves the right to modify, update or discontinue this promotion at any time and without advanced notice. Applicants must refer to the promotion or use promo code “YOUTH50” when establishing new minor account. 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 (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. View all USSFCU savings account rates, terms and conditions at ussfcu.org/rates.
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.
APY = Annual Percentage Yield. The minimum balance to obtain the APY is $5.00. Fees may reduce earnings. View all USSFCU savings account rates, terms, and conditions at ussfcu.org/rates.