Youth Accounts

Youth Savings

Every child deserves a successful financial future.  When saving money becomes a regular habit, the sense of accomplishment from achieving savings goals can boost your child's self-esteem. 

High School Branch

1st CCU is proud to provide a Student Branch within Sparta High School for the convenience of high school students and staff. 

• Open Tuesdays and Thursdays over the lunch period
• Make deposits and cash checks
• Make cash withdrawals and loan payments
• Optional transactional coaching at the teller window
• Answers to questions about savings, checking, and debit cards

Check out these free online interactive games for middle school and high school ages: 

• Lights, Camera, Budget!
• Hit The Road game
• Financial Football
• The Uber Game (Can you make it in the gig economy?)

Entertaining videos that help teens understand money management and entrepreneurship: 

• Biz Kid$ TV Series on Youtube
• Your Life, Your Money Video

Children's Online Privacy Protection Act (COPPA) Disclaimer

1st Community Credit Union does not knowingly collect, maintain or use personal information from our website about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

Disclosures
¹Primary Share Savings account is not allowed to drop below the $5.00 minimum balance.

²Dividends paid quarterly, back into the certificate. At maturity the funds automatically transfer into the child’s savings account. Penalty of 1825 days' worth of interest will be assessed for early withdrawal. One Youth Certificate per 1st CCU member. Cannot be opened as an UTMA account. Certificate must be in the child’s name.

³Requires Parent/Guardian to be joint owner on the account.

⁴ Monitoring of the account is available with 1st CCU Anywhere Online or Mobile Banking. Set up eAlerts and utilize Card Control, view the teen’s account balance and transaction activity, and you can transfer to the teen’s account if you need to (Teen cannot see parents’ account info.   The parent/guardian must also have a 1st CCU membership account of their own to enroll in 1st CCU Anywhere.

⁵1st Rewards Checking is subject to account approval. To earn rewards, you must satisfy 3 account requirements: (1) post at least 15 debit card point-of-sale purchases to your 1st Rewards Checking account monthly; (2) Receive eStatements monthly; (3) Receive at least one direct/ACH deposit posted to your account monthly. Rewards earned: (1) Up to $20.00 in foreign ATM fees (fees that another financial institution may charge you during an ATM transaction when you are using their ATM - Limit of up to $20 in ATM refunds per qualification cycle. Only the ATM fees charged to your 1st Rewards Checking account will be refunded; any ATM fees that have been charged for withdrawals from your Saving account or a non-rewards checking will not be refunded); (2) You earn a higher rate on your 1st Rewards Checking balance up to $15,000 when all three requirements are met each cycle; (3) You earn a lower rate on your 1st Rewards Checking balance over $15,000 when you meet all three requirements.  When your 1st Rewards Checking qualifications have not been met the dividend paid on the entire balance will be a nominal rate and  you will not receive ATM surcharge refunds. Debit purchase transactions must post to and settle on your 1st Rewards Checking account during the calendar month in order to receive the Rewards. We post purchases to your account when we receive them from the merchant, and that may occur one or more days after the purchase date. Purchases that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post. Limit of one 1st Rewards Checking account per member account. Business checking accounts do not qualify. Statement and Dividend cycles are monthly. Fees may reduce earnings.

⁶Dividends paid quarterly, back into the certificate. At maturity the funds automatically transfer into the teen’s savings account. Penalty of 1095 days' worth of interest will be assessed for early withdrawal before maturity. One Teen Certificate per 1st CCU member. Cannot be opened as an UTMA account. Certificate must be in the teen's name.