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Youth Savings

Teach the power of compound interest

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Youth Grade Rewards

Open a Youth Savings Account to earn $3 for A’s, $2 for B’s, and $1 for C’s in eligible classes, with a maximum of $12 per quarter; grades can be submitted online or in-branch, and current members earn $10 for referring new youth members.

Open A Youth Savings Account

Youth Savings Account

Youth Grade Rewards

Online & Mobile Banking

Youth Financial Literacy

Youth Savings Account

Let's build a healthy relationship with money

  • $5 minimum balance & no monthly fees
  • $10 new youth account referral bonus
  • Monthly Dividends on balances $50+
  • End-of-Year Member Dividend Rewards
  • Competitive dividend earning interest rates
  • Free account access at CO-OP Shared Branches & ATMs
  • No age restrictions with adult co-signer
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
Open An Account

Youth Grade Rewards

Save early and save big

  • We pay $3 for A’s, $2 for B’s, $1 for C’s
  • Eligible classes include Math, Science, English, & History/Social Studies
  • Max is $12 per quarter ($48 per year)
  • Submit grades online or in-branch
Request Grade Rewards

Online & Mobile Banking

Banking wherever, whenever

  • Mobile App
  • E-Statements (quarterly)
  • Automatic Bill Pay
  • Money Desktop Tools
  • Mobile Deposit
  • Zelle® Payments
Online & Mobile Banking

Financial Literacy for Youth

Helpful resources for parents & kids

In addition to the financial benefits, our Youth Savings accounts also provide a great opportunity for parents and guardians to teach their children about the importance of saving, budgeting, and setting financial goals. By helping young people develop good financial habits early on, we believe that we can empower them to make smart decisions about money and achieve their dreams. Contact us today to learn more about our Youth Savings accounts and how we can help your child build a bright financial future.

Teaching financial responsibility and good habits early to kids is something I wish I had growing up. While they learn so much at school, often times it's areas like this that require parents to take the time to teach. My 9 year old absolutely loves earning money for grades and watching his savings grow with interest. In other words, make your money work for you and start early!

American United FCU Member

Open An Account

Savings Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Savings AccountsDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Dividends
Primary Savings0.100%0.100% APY$5$50+
GoldStar® Savings10.125%0.125% APY$5$50+
Business Savings0.125%0.125% APY$5$50+
Youth Savings20.150%0.150% APY$5$50+
Club Savings0.100%0.100% APY$0$25+
Escrow Account0.100%0.100% APY$0$50+
Retirement (IRA) Savings30.499%0.500% APY$0$1+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Must be younger than 18 years of age to open a Youth Savings account.
3. Subject to early withdrawal penalty before the age of 59.5 (Traditional before-tax or Roth after-tax IRAs).

Is your kid ready for a Checking account?

  • Use the mobile app to easily manage & track expenses
  • Quickly transfer funds between accounts
  • Redeem VISA Reward Points for debit card purchases
  • Earn monthly dividends on balances $50+
  • No age restrictions with adult co-signer
Primary Checking

Want to open a Certificate with special terms?

  • Open a safe and flexible Dedicated Saver Certificate
  • Teach kids the power of patience & compound interest
  • 6 to 60 month fixed terms & higher fixed rates
  • $5 minimum balance (normally $500)
  • Money can be added to balance every month (only allowed on this account)
  • Requires setting up a minimum of $5 monthly auto-deposit from savings account
Dedicated Saver Certificate