Help Their Savings Soar
MyFirst accounts are designed to give our youth members an early advantage, helping them from start to finish during their financial journey.
MyFirst Savings
MyFirst Savings (ages 0–12): Receive a bonus of up to $502 when opening an account. Plus, earn a $25 Smart Start Reward at your one-year anniversary.3 These accounts are your classic, simple savings account. Parenting is a full-time job; set up automatic transfers into this account to ensure you are setting money aside each month without ever having to think about it.
Other fun perks:
- Special gift when account is opened
- Special savings incentives
- Annual Youth Week event
- Free access to educational games and activities
MyFirst Investment
MyFirst Investment (ages 0–17): Earn 4.00% APY1 on a 12-Month CD. This is a great option to earn more money on your youth accounts. We intentionally keep this CD rate at a higher yield to help your little ones get more bang for their buck.
Budgeting
Enjoy these free budget planning tools and resources:
Financial Tips
These financial tips and resources are targeted at teens, parents and young adults:
- Financial tips for teens and parents of teens
- Financial tips for young adults
School Themed Debit Cards
Support your local high school, college or university with a school themed instant issue debit card. Find your card here.
Simple Financial Calculators
Use these calculators to explore how money works, practice budgeting, compare rates and accounts, and make smarter money decisions.
Find a Branch
First Community Credit Union is committed to providing convenient service in communities across North Dakota and NW Minnesota. Visit one of our 26 branches to meet directly with our team.
Best Youth Accounts in ND & MN
Give your child a head start on financial success with a MyFirst account from First Community Credit Union. A youth savings account is a simple way to introduce young savers to important money skills, including saving money, setting financial goals, making smart spending decisions and understanding the value of earning and managing money. Teaching your child to build a save for an allowance, birthday money, holiday gifts or money from their first job is critical to the development of a smart financial future. Having a dedicated savings account gives them a place to watch their money grow while developing healthy financial habits. Our youth savings accounts are designed to make financial education fun and accessible for kids while giving parents an opportunity to teach valuable lessons about saving and personal finance. With age-appropriate resources, savings incentives and a local credit union your family can trust, First Community Credit Union makes it easy to help your child build a strong financial foundation from an early age.
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. Account must remain open and in good standing for at least 90 days following account opening or the opening bonus will be forfeited.
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.