Our youngest Members today.

Smart savers for life.

Give your kids the tools to learn healthy money habits — at any age.

Smart Spending Starts Here

Debit cards for teens 13+ with parental oversight.¹

Send Money in Seconds

Instant transfers for allowances or emergencies.

Banking Built for Their Age

Age-appropriate, secure access to Mobile Banking.²

Future-Ready Savings

Options to help reach big goals like college.

BEATRICE J. AND FAMILY MEMBER SINCE 2003

Money smart from the start.

Kids' money habits are set by age 7 — so starting early matters. When you can teach your kids how to earn, save and spend wisely from a young age, those lessons stick. And when you have the right accounts to make those teachable moments happen, that's when you see real value in your kid's Membership.

Our kids' accounts give you tools to turn everyday moments into money lessons. Whether it's making their first deposit, checking a balance or watching their savings grow, your kids get hands-on experience under your guidance. The accounts grow with them, so as they're ready for more responsibility, you can give it to them. You'll raise money-savvy kids — one conversation, one deposit, one choice at a time.

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BRIAN M. AND FAMILY MEMBER SINCE 1996

You save. They earn. You both win.

Your kids might be taking baby steps now, but you can take a bold one for their future today. When you open a share certificate for your child, you'll give them a head start on their savings with better rates than regular savings — and many bank CDs too. Those savings have years to grow, whether it's for everyday essentials or bigger goals ahead.

You can find a share certificate with a flexible term and competitive rate that works for you. Whether you're saving for Little League or the Ivy League, it's about putting money aside early so it's there when they need it. And when they see what you've built for them over time, that's a money lesson they won't forget.

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MARIA H. AND FAMILY MEMBER SINCE 1983

Three Generations, One Credit Union for Life

For Deisha, becoming a SchoolsFirst FCU Member and teacher is part of her family’s legacy. After all, Membership and careers in education span three generations.

Deisha’s father Michael became a Member through his mother Maria when he was just 15. “It’s the only place I’ve ever banked,” he says. “The Credit Union always finds a solution for me, because I know they always have my back.”

His mother Maria agrees. Having worked in education administration for 45 years, opening an account for Michael just made financial sense. “I wanted him to be established with a stable financial institution,” Maria says. “And now I see him passing that tradition on to his kids.”

A kindergarten teacher and father of six, Michael has opened Memberships for each of his children, starting with Deisha. Now a busy young adult pursuing a teaching degree, Deisha has her own checking and savings, credit card and a car loan. “Everyone in my family trusts the Credit Union,” she says. “We’ve all been longtime Members, and we’d never think of going anywhere else.”

Frequently Asked Questions

What children are eligible for Membership?

Children of Members — related by birth, marriage or adoption — are eligible to join. Junior Varsity Club Memberships (age 12 and under) require a parent/legal guardian joint owner on all shares; Varsity Club Memberships (age 13–17) require a parent/legal guardian joint owner on certain products and services.

What happens when they turn 18?

Your child’s youth Membership will automatically change to an adult Membership. The parent or legal guardian is no longer required to be a joint owner on the account.

What will I need to open an account?

Your child's Social Security number and a form of identification, such as a birth certificate, student or California photo ID, driver's license or passport.

Online

Log into Online Banking to open a youth Membership.

In Person

Bring your eligibility documentation with you.

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Call

Have questions or want to learn more? Give us a call.

Disclosures

Youth Debit Mastercard® available to Members age 13–17 with a valid ID and email address. Youth Debit Share requires: 1) a parent/legal guardian to be a joint owner within all shares on the Membership; 2) a $25 minimum deposit to open the Youth Debit Share; and 3) Subject to ChexSystems review. Parents/legal guardians are responsible for supervising use of the Youth Debit Mastercard and may be responsible for transactions initiated by their child, including misuse or fraudulent activity.
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