Youth Savings

Federally Insured by NCUA. 1) APY = Annual Percentage Yield. APY effective 08/01/2026 and subject to change. Available to members ages 0–17. One (1) MyFirst Investment (CD) per child/member (per SSN). Minimum deposit $250; maximum balance $10,000. Additional deposits of $250 or more allowed. CD maturity is tied to the child's birthday and automatically renews until age 18. Early withdrawal penalty may apply. Other restrictions and conditions may apply. 2) Savings: Federally insured by NCUA. Membership eligibility and membership requirements apply. MyFirst Savings is available to new youth members ages 0–12. A minimum opening deposit of $50 is required to qualify for the account opening bonus. Eligible accounts will receive a one-time bonus of $50 when the parent or legal guardian has an open and active FCCU checking account at the time of account opening, or $25 when no qualifying checking relationship exists. An active checking account is defined as having recurring direct deposits totaling $250 or more and consistent transactional activity. Account opening bonuses are credited at the time of account opening, are limited to one bonus per eligible youth member and cannot be combined with other offers. 
To qualify for the $25 Smart Start Reward, the MyFirst Savings account must receive at least ten (10) deposits of $10 or more within the first 12 months following account opening. Qualifying deposits must occur in at least ten (10) separate calendar months during the first twelve (12) months after account opening. Multiple deposits within the same calendar month do not count as additional qualifying months. Qualifying rewards will be deposited into eligible accounts within 60 days after the one-year anniversary. Limit one Smart Start Reward per account. FCCU reserves the right to modify or discontinue this promotion at any time without notice.