Youth Accounts

A Savings Account for Kids and Teens. It is never too early to start developing good money management habits. Help a child build a brighter financial future and open a savings account for them today. No matter their age, American United has the right savings account to help them achieve their savings.

Minimum Requirements

  • Must meet credit union member eligibility requirements.
  • Minimum Balance of $5.00 to open account.
  • Minimum of $50.00 to earn Dividends.
  • Account must be labeled with FBO (for benefit of) designation.

Product Fees

  • Account subject to all General Account Fees: (Refer to Services Fee Guide)
  • Monthly Inactive Account Fee (180 Days with no transactions): $0.00
  • Monthly Below Minimum Share Balance Fee: $2.00
  • Monthly Return Statement / Bad Address Fee: $4.00

Product Features

  • Dividends are compounded on the Average Daily Balance of $50.00 or more.
  • Dividends are paid monthly.
  • Quarterly itemized statement.
  • Unlimited deposits and withdrawals.
  • Federal Regulation D applies to transfers made to another account or third party during any calendar month. (limit is 6 transfers)
  • Funds are Federally insured by the National Credit Union Administration. (NCUA)

Product Benefits

  • Grade Rewards earned and deposited in the share account for core classes of Math, English/Language Arts, Science, History/Social Studies.
    • A = $3.00
    • B = $2.00
    • C = $1.00
  • Family members can conveniently make automatic deposits or transfers from the American United Account.

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© 2021 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

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