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Youth Accounts

Help your kids become money smart from the start.

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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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Junior Varsity Club (ages 0–12)

A simple, flexible way to help your child start saving and start learning. 

  • A dividend-earning savings account with a low minimum balance of $5.1
  • An ATM card to make deposits (with parent's approval).2
  • Available College Saver Share Certificate to help them build a college fund with unlimited deposits anytime.3
  • Ability to open a My Club Savings account to earn higher dividends and help them save for a goal — like a new bike or video game.
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Varsity Club (ages 13–17)

Everything your child gets with a Junior Varsity Club account, plus tools designed for growing independence.

  • Youth Debit Share and Youth Debit Mastercard® for everyday spending with higher limits and built-in parental oversight.4 
  • Ability to make purchases in-store, online and with their digital wallet. 
  • ATM withdrawals with age-appropriate daily limits. 
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Seven Years in a Row

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

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Money tips for parents and kids.

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5 Money Moves for New Parents

READ MORE
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Earn More for Their Future with a College Saver Share Certificate

LEARN MORE
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Join Online

Log in to start your Youth Membership application.

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Join at a Branch

Stop by or schedule an appointment.

FIND A BRANCH
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Have Questions? Give Us a Call.

We’re happy to help answer any questions you may have.  

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Disclosures

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. Minimum $200 deposit to open a 12-Month College Saver Share Certificate; limit one 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.

TERMS AND CONDITIONS