Boost Your Child’s Financial Future With A Youth Savings Account.

Boost Your Child’s Financial Future With A Youth Savings Account.

 Special accounts and programs for members age 14 and under.

Start your child’s savings and financial education early with a COPFCU youth Savings Account and Y-12 certificate. When a membership is opened in a child’s name, they are automatically enrolled in the COPFCU Kids Club through which they can enjoy a wide array of activities and incentives to save their money, do well in school and just have fun.

Youth Primary Savings Account

A Primary Savings Account establishes a youth membership with COPFCU. It’s the first step to enjoying all the perks of a youth account.


  • Just $5 is needed to open a Primary Savings
  • Earn competitive dividends on balances of $50 or more
  • No monthly service fee
  • Fee Online Banking & Mobile App
  • Free eStatements & eTax forms

Y-12 Certificate*

This special 12-month certificate can be opened for just $250 and pays an amazing rate on balances up to $1,000. It’s the perfect way for your child to earn more on birthday funds and allowance money.


  • Just $250 is needed to open
  • Earn a fantastic dividend on balances up to $1,000
  • Great way to earn more on birthday money and allowance funds

Youth Savings

Youth Primary Savings

Y-12 Certificate*

$50.00 +0.05%0.05%
$250.00 - $1,000.005.00%4.888%

Youth Account Perks

Fist Full of Coins

Starting at age 3, youth members can stop by any branch location during their birthday month to grab a fist full of coins. Everything grabbed will be deposited to their Savings account and they’ll receive a special birthday gift.

$1 for Each “A”

When youth members start to receive letter grades on their report cards, they can submit their report card and will be paid $1 for each “A” earned up to a maximum of $5. Funds will be deposited to the youth member’s savings account.

Report Card

Free Moonjar™

When a youth member turns 5, they will receive a free Moonjar.™ With a focus on Saving, Sharing and Spending money, the Moonjar is a special tool to help kids take the first step towards managing their funds.

Girl & Boy Using Their Moonjar

Other Fun Events

Special contests and giveaways are frequently being held for youth members. Follow our social medial channels for the latest news on Kids Club contests and activities.


What is needed to open a Youth Account?

To open a youth account, you will need the minor’s Social Security Number and Birth Certificate. A parent/guardian must also be joint on the account and will also need their Social Security Number and a valid U.S. government-issued photo ID such as a Driver’s License, Passport or State ID Card.

Does an adult have to be on the Youth Account?

Yes, a parent/guardian is required to be a joint owner on a youth account. As a minor, the youth may not transact business on their own.

Important Legal Disclaimer

*Limit of one Y-12 certificate per youth membership. The Y-12 certificate will mature each year. A new Y-12 certificate may be opened for the youth each year until the youth turns age 15.