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Youth Accounts

Help your kids become money smart from the start.

It's easy to open a Youth Membership.


Junior Varsity Club Membership for kids 0–12.


Varsity Club Membership for teens 13–17.


Get a dividend-earning savings account with a low minimum balance of $5.


Add a College Saver Share Certificate, with a deposit of $200.


Age-appropriate limits for withdrawals and ATM purchases.


Help your kids develop good financial habits.

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Just for Kids (ages 0–12)

  • A dividend-earning savings account with a low minimum balance of $5.1
  • An ATM card (with parent's approval).2
  • Available College Saver Share Certificate, with a low minimum opening deposit of $200 and the ability to make additional deposits at any time.3
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Just for Teens (ages 13–17)

  • Ability to open a Free Checking account at age 16.
  • ATM withdrawals with age-appropriate daily limits: $40 for ages 13–15 and $100 for ages 16–17.
  • ATM purchases up to $100 a day (ages 16–17 with a Free Checking account).
  • Ability to apply for a Youth Debit Mastercard®.4
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Six Years in a Row

For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

Money tips for parents and kids.

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5 Money Moves for New Parents


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How Much Am I Spending?


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Earn More for Their Future with a College Saver Share Certificate


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Join Online

Log in and start an application from Quick Links.

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Join at a Branch

Stop by or schedule an appointment. Have their Social Security number and a form of identification ready.

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Have questions? We're happy to help you get started.


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.

  1. Variable rate, subject to change after account opening. The annual percentage yield is accurate as of the last dividend declaration date.
  2. Only ATM deposits allowed for JV Club Memberships.
  3. Limit one 12-Month College Saver Share Certificate per minor. Available only on Varsity and Junior Varsity Accounts. Early withdrawal/account closure subject to penalty. Fees may reduce earnings on account.
  4. 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. Minors age 0–12 may establish a Junior Varsity Membership (with parent/legal guardian as joint owner on all shares within the Membership), but are not eligible for Youth Debit Share and Youth Debit Mastercard.