Youth Accounts

Call out that says, "Sea of Savings Contest"

It's Credit Union Youth Month! Now - May 16, win a Ripley's Aquarium Family Four-Pack with a new or existing Jump Start Savings. Learn More
Empower your kids to shine.
Create smart savers and spenders from an early age with accounts that grow with them and kickstart their future.

Open Account

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FOR AGES 0-17 YEARS OLD 

Jump Start Savings

A Jump Start Savings (eligible for ages 0-17) earns 2.00% APY1 on the first $5,000.00 and 0.05% APY1 on $5,000.01 and more.

Open an account and establish Credit Union membership with only $1.00.
Take advantage of no monthly service fees.
Celebrate with an account opening gift provided at any branch and annual birthday gifts (postcard redeemable for a gift at any branch).
Access a library of free financial wellness resources to teach and practice healthy money habits. Learn More

Open A Jump Start Savings

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FOR AGES 14-17 YEARS OLD 

High Yield Checking

This High Yield Checking (eligible for ages 14-17) earns 3.50% APY2 on the first $15,000.00 and 0.05% APY2 on $15,000.01 and more.

Waive the requirements. Standard fees and requirements are automatically waived for members ages 14-17 years old. Yep, that means no monthly service fees!
Receive a free Visa Rewards Debit Card that earns one point for every $4.00 spent on Signature-based transactions in our Loyalty Rewards card program. Plus, enjoy automatic qualification without requirements in our Loyalty Rewards relationship program.
Celebrate with an account opening gift provided at any branch and annual birthday gifts of 1,000 bonus Loyalty Reward points that automatically post to the account.

Open A High Yield Checking

Account can be opened with or without adult joint owner.

Seas of Savings logo

It's Credit Union Youth Month!

Deposit $50 into a new or existing Jump Start Savings now - May 16, and be entered to win a Ripley's Aquarium of the Smokies Family Four-Pack!

Open a Jump Start Savings

*Terms and conditions apply. See y12fcu.org/rules for official rules.

Phone screen of the My First Nest Egg app featuring a daily challenge, savings, spending, and more.

My First Nest Egg is a free money education app for parents and kids with a virtual tracker, learning games, goal setting, and more!

Download My First Nest Egg from your app store and use access code Y12CU to start.

What members are saying:


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"My grandson has a child's savings account at Y-12 FCU. I like that his account will grow with him. The account will help teach him money savings and spending as he grows."

- Theresa


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"I took my two teenage kids to a branch to open accounts, and Y-12 FCU welcomed them like family. ❤️"

- Angela


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"I have always enjoyed and benefitted from using Y-12 FCU since my childhood, and I am pleased to now have Y-12 FCU serving my children for their banking needs. "

- Elizabeth

FREQUENTLY ASKED QUESTIONS

We've got answers.

  • A Jump Start Savings account is eligible for ages 0-17 years old. A youth High Yield Checking account is eligible for ages 14 to 17 years old.

  • When the member turns 24 years old, the Jump Start Savings account balance will transfer to a Primary Share Savings account and the youth High Yield Checking (requirements waived) account will transfer to a High Yield Checking account with normal fees and requirements.

    • Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
    • With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
    • As a credit union, we make decisions with a member-first approach. Your success is our success.
    • Switching your account from another institution won't be a headache. Our free online tool, ClickSWITCH, will securely transfer direct deposits and recurring payments to your Y-12 Credit Union account.
    • From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.


RESOURCES

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1. APY is Annual Percentage Yield. A Jump Start Savings account is for ages 0 to 17 only. The child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a Young Adult Savings account when the member reaches age 18. A Jump Start Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Dividends calculated daily, compounded/posted quarterly. Rates effective as of 04/28/2025. Rates subject to change.
2. APY is Annual Percentage Yield. A High Yield Checking (requirements waived) account is for ages 14 to 23 only. Normal High Yield Checking account fees and requirements will be effective at age 24. Rates effective as of 04/28/2025. Rates subject to change after account is opened. Fees may reduce earnings.