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Kids Savings Account

  • $25 minimum opening balance
  • A special welcome packet.
  • Earn higher dividend rates at a lower minimum balance than a regular savings account.
  • To open your Kids Savings Account, please call 972-494-5328 or 1-800-543-2811.
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Teach good financial habits with the best savings account for kids.

Partner with America's Credit Union to help your child build their financial knowledge!

Together, we can align your child for money management success! Open a Youth Savings Account for your child today and you'll begin to build a foundation of financial education and understanding.

Tip: what may seem simple, or "common sense" to you, might be a new concept for your child. Explain the ins and outs of saving and spending to help broaden their knowledge base. If they're old enough, explain how interest works so they understand they're making money by depositing it, not losing it because they don't see it in their piggy bank at home anymore.

The Member Service Representatives at ACU are happy to meet with you and your child and talk about money management at an age-appropriate level. Don't hesitate to contact us and request an appointment to meet with someone.

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Kids Club Savings (Ages 0-12)

Our Kids Club Savings Account is our exclusive America’s Credit Union club for members 0 – 12 years of age and is a great introduction to saving! Join our Kids Club Savings Account today with as little as $25. You’ll start earning dividends with the initial $25 and then watch your money grow! As part of the Kids Club, you will also receive special benefits.

  • A special welcome packet.
  • Earn higher dividend rates at a lower minimum balance than a regular savings account.
  • A holiday gift of $1 in December.

Smart Start Savings Account (Ages 13-18)

Our Smart Start Savings Account is our exclusive America’s Credit Union program for teens 13 – 18 years of age who are interested in learning more about managing their money. You are eligible for a terrific checking account.

  • $25 minimum opening balance.
  • Minimum balance to earn dividends on the account is $25.
  • A special welcome packet.
  • Earn higher dividend rates at a lower minimum balance than a regular savings account.
  • The ability to conduct your credit union business via Online and Mobile Banking.

Have questions about which account is right for your child? Contact us today, we are here to help!

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Kids Savings Account Rates

Account Type Dividend Rate* Annual Percentage Yield (APY)* Dividends Paid on Amounts
TEXT
Kids Club Savings
TEXT
0.10%
TEXT
0.10%
TEXT
$25.00 and above
TEXT
Smart Start Savings
TEXT
0.10%
TEXT
0.10%
TEXT
$25.00 and above
Effective May 1, 2021
Account Type

Kids Club Savings

Dividend Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Dividends Paid on Amounts

$25.00 and above

Account Type

Smart Start Savings

Dividend Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Dividends Paid on Amounts

$25.00 and above

Effective May 1, 2021

* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure

Kids Savings Account Resources

ACU is Here For Parents

Teaching your child about finances is no easy task. Luckily, as an ACU member, you don't have to go at it alone! We're here to help you navigate the next stage of your child's financial education.  Reach out today to schedule an appointment to meet with a Member Service Representative about setting up a Youth Savings Account for your child. 

Use this form to let us know a little bit about your child and your goals for their financial future. If your child is a teen, let us know if you're thinking about a checking account, credit card, auto loan, or other products and services. 

From the first dollar to heading off to college, ACU is here to help parents better prepare their children for financial success. Let us know how we can help you and your child achieve your financial hopes and dreams! 

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How Can We Help?