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Make their first account count.

Jumpstart their savings with all of the fun and none of the fees. Our Youth Savings Accounts help them get on the right financial track!
Visit a Branch to Open an Account

Youth/Kit Savings rates

1APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions, and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership eligibility.

Rates as of: October 1, 2026
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
APY1
Account Balance
$5 - $99.99
Min Balance to Receive Dividends
$5.00
DIVIDEND RATE
0.25%
APY1
0.25%
Account Balance
$100 - $4,999.99
Min Balance to Receive Dividends
$5.00
DIVIDEND RATE
0.50%
APY1
0.50%
Account Balance
$5,000+
Min Balance to Receive Dividends
$5.00
DIVIDEND RATE
0.75%
APY1
0.75%

1APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions, and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership eligibility.

Meet Kit Savings!

A kit is the name for the young of several wildlife species, including foxes, rabbits, squirrels, and beavers. Just like a young kit learns, grows, and prepares for the future, Kit Savings helps kids build strong savings habits from an early age.

When young savers join, they become members of the Kit Club, where learning to save is rewarding, exciting, and fun. Whether they're saving for a special goal or simply learning the value of money, Kit Savings helps their savings grow along the way.

Kit Savings is available for children through age 12. At age 13, Kit Savings will automatically converts to a Youth Savings Account, or eligible members may choose to take the next step and open their first checking account. 

Kit Club Graphic (white)

Get $50 for Opening

We love to help kids save. That's why we deposit the first $50 to every Kit Savings Account!**

Birthday Deposit

We celebrate your kids special day by sending them a birthday card and depositing $5 into their account!**

Earn Dividends

Teach them about earning. Our Kit Savings Account earns dividends even at the minimum balance of $5!

Low Minimums

Why wait? With just $5, start teaching your kids the value of money when you open a Kit Savings Account!
Join Kit Club

Youth Savings Account

Help your kids (or grandkids) learn about saving, spending, sharing, and earning all while setting them up for financial success!

Youth Savings is available for children aged 13 through 17.

Youth Savings Benefits Include:

  • $50 deposited at account opening*
  • Competitive dividends to help savings grow
  • Low account minimum of only $5
  • At age 18, Youth Savings will convert to a Primary Share Savings Account, and their Youth Savings Account will be closed.
Open Youth Savings
Teenager and mother discuss youth savings account at CCCU
Teenager and mother discuss youth savings account at CCCU

What is needed to open a Kit or Youth account?

Our Youth Accounts must be opened in person. Simply visit a branch with the following during account opening:

  • Adult: A parent, guardian, or adult relative must be present to open a Kit Savings or Youth Savings Account in any of our local branches.
  • Identification: We'll ask for the child's personal information, including their social security number. As joint owner, you'll also need your photo ID.
  • Deposit: Our Youth Savings Accounts only requires a $5 minimum opening balance!
Visit a Branch to Open an Account
PCU Budgeting Tips and Tricks Guide Cover

Start building your perfect budget today!

Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money today.

Ready to get started? Download your guide now:

What our members are saying:

“Thank you for making the whole process so easy and less stressful!”

Maria P. Member Since 2017

“Customer service is always so wonderful any time I have to interact with a representative! I appreciate how quick the loan officers and underwriters work to process all of my applications! Best credit union EVER!”

Edlyn C. Member Since 2018

“Amber was terrific! Really enjoyed working with her. Everything moved extremely fast! Thanks so much!”

Barbara G. Member Since 2019

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FAQs about Youth Savings Account

What happens to a Youth Savings Account once the minor turns 18?

Once the minor turns 18, the money in their Youth Savings Account will be transferred into a Primary Share Savings Account and their Youth Savings Account will be closed. 


With their own Primary Share Savings Account, they will gain access to all the valuable products and services we offer that help our members reach goals at various life stages.

Is there a minimum account balance for a Youth Savings Account?

Yes, there is a minimum $5.00 membership deposit to open and maintain a Youth Savings Account. 

Is there a Checking Account available for children?

A minor age 13 or older is eligible to open a checking account and debit card with the express permission of the adult joint owner.

Can you open a Youth Savings Account online?

No, a Youth Savings account cannot be opened online. Please contact a PCU Member Advisor to open this particular account. You'll need the child's personal information, including their Social Security Number.

How can I contribute to my child/grandchild's savings?

As a joint owner on the account, you have the option to set up recurring deposits and help them save. You could also visit the credit union each month to make a deposit together!

What is the difference between Kit Savings and Youth Savings

Kit Savings is available for children through age 12 and comes with a $5 birthday deposit each year in their birthday month.

Youth Savings is available for children from age 13 through 17. This account features the same dividend rate and low account minimum, but your child no longer receives a birthday deposit each year.

DISCLOSURES

2 Account must be opened for a new member age 17 and under. A $50.00 savings incentive will be deposited into the account within five business days of account opening. Incentives received are subject to IRS 1099-INT reporting. Membership eligibility is required. All new accounts are subject to CCCU standard account membership terms and disclosures. We reserve the right to change or end this promotion at any time.

We do not knowingly market to children online, and we do not knowingly solicit to or collect data from children under 13 without express parental consent or notification. We recognize that protecting children's identities and their online privacy is important. If you believe your child has provided personally identifiable information to us, please contact the credit union so we can allow you the opportunity to review the information and request we delete it.