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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 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. 

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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.

      Contact Us

      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!

      Contact Us

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      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?

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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

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