Youth Savings Account
A foundational account for kids and teens to start saving, learn money basics, and establish membership with 802CU.
Overview
What is a Youth Savings Account?
The Youth Savings Account is the gateway to financial education and credit union membership for minors under 18. With just one cent, a young member gains access to all of 802 Credit Union’s youth products, including checking accounts and CDs. This account earns monthly dividends and helps build the foundation for lifelong saving.
A legal guardian must be listed as a joint owner.
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Learn, Save & Grow with 802CU
Financial Education & Youth Month
Helping young members build lifelong financial habits is part of our mission. Through fun, educational resources and annual Youth Month events, we encourage saving early and often.
National Credit Union Youth Month (Every April)
At 802CU, we’re committed to helping young members grow smarter with money. Each April, we celebrate Youth Month with savings incentives, fun giveaways, and educational activities for members ages 0–17.
- Coloring contests and giveaways
- Youth savings incentives
- Special prizes and referral bonuses
Start building strong money habits early with tools that make learning to save fun and rewarding.
Today’s Rates
All Rates Effective April 1, 2025
Club Accounts
| Rate | APY | Minimum Balance |
|---|---|---|
.30% | .30% | None |
Types of club accounts: holiday, vacation, tax, all-purpose.
Dividends paid monthly.
Member-Focused. Locally Rooted.
Start Strong with a Smart Savings Foundation
With joint ownership and monthly dividends, the Youth Savings Account helps kids and teens take their first financial steps with support and structure.
product Benefits
Built to Help Kids Save and Succeed
Start Saving for Just a Penny
Open an account with as little as $0.01 and begin earning dividends every month.
Unlocks Other Youth Services
Required to open additional youth products like Total E-Checking and Youth Certificates of Deposit.
Joint Ownership for Support
A parent or legal guardian must be a joint owner, ensuring guidance, safety, and shared access.
Flexible Statement Options
Statements are generated quarterly by default, but can often be changed to monthly, just ask us.
Frequently Asked Questions
Have Questions? Let Us Help!
Banking Services
Bank Smarter With The Right Tools
From budgeting tools to fraud protection, we’re here to help you feel confident and in control of your finances.
More Than a Member
As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.
Testimonials
Real Members. Real Stories.
Real stories from real people who’ve found their financial home.
I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.
Sarah
Windsor, VT
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