It's never too early to start helping your kids develop good financial habits. Get them going in the right direction with a Junior Varsity Club Membership, for children ages 0–12, or the Varsity Club Membership, for teens ages 13 –17.

What your kids get (ages 0–17)

  • 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

Other features, only for teens (13–17)

  • 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 the Youth Debit Mastercard®.4
  • Ability to open a Free Checking account at age 16.



Log in to Online Banking and start an application from Quick Links.

Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.


Stop by or schedule an appointment at a branch near you. 


Print and complete the Youth Membership Application.

Mail to:

SchoolsFirst Federal Credit Union
Attn: Membership Development
P.O. Box 11957
​Santa Ana, CA 92711-1957


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. Minimum opening deposit is $200. Unlimited additional deposits. Penalty for early withdrawal.
  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.

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Joining SchoolsFirst FCU is quick and easy. Apply for Membership today.

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