"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
Youth Accounts
GREENLIGHT DEBIT CARD & APP
The debit card for kids. Managed by parents.
Free3 for members, Greenlight is the award-winning money app loved and trusted by 6+ million parents and kids. With their own debit card, kids and teens learn to manage money while parents send money, get real-time notifications, and set flexible controls.
What you get with Greenlight.
A debit card of their ownTeach smart spending while you send money, set flexible controls, and get real-time notifications.
Money managementManage chores, automate allowance, set savings goals together, and more.
Financial literacy game
Play Greenlight Level Upᵀᴹ, the financial education game for kids.
Build life-long money skills.
Chores
Assign chores in the app, and sit back and relax as your kids check them off the to-do list.
Jobs
Got a one-time task? Assign it in the app and your kids get paid when it’s complete.
Allowance
Automate earnings. Pay a percentage based on chore progress or only if it's completed.
Direct Deposit
Working teens? They can set up direct deposit for simple paycheck management.
What members are saying:
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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.
- Easily open an account online, through Video Banking, or at any branch.
- Your subscription includes debit cards for up to five kids, spending notifications, chores, automated allowance, financial literacy game Level Up, and more.
- Unlock your free3 Greenlight subscription by entering your phone number at the top of this page, then click Get Started.
- 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 direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits 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.
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.
RESOURCES
Need additional help?
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.
3. Y-12 Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Y-12 Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 12/04/2028. Offer subject to change and partner participation.
