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Plant the Seeds of Financial Success

Build a strong financial foundation with a youth savings account. Your child can learn the value of saving, budgeting, and setting goals as they watch their money grow through regular contributions and earning dividends. Open a youth savings account today to give your child the tools they need to develop smart money habits.

Build a Brighter Future with Every Deposit

No Monthly Fees

More money stays in the account to grow savings faster.

No Minimum Balance

Save without the pressure of maintaining a minimum balance.

Immediate Dividend Earnings

Deposits start earning right away to help young savers stay motivated.

Youth Seminars and Events

Learn essential money management skills to prepare for the future.

The Perfect Start for Young Savers

A San Francisco FCU youth savings account is designed to help young members build strong financial habits from an early age. There is no monthly fee or minimum balance requirement, which makes saving simple and rewarding. Accounts also earn dividends, which encourages young members to continue working toward their goals.

Financial education resources are also available to learn the basics of budgeting, saving, and smart money management. A youth savings account is more than a place to save money, it’s an investment in your child’s financial future. Open a youth savings account today to help your child develop money management skills that will benefit them for life.

A father and son celebrate after opening a youth savings account.

Additional Features of Our Youth Savings Accounts

Open a Youth Savings Account in 3 Easy Steps!

Why Choose San Francisco FCU?

San Francisco FCU is a local, member-owned institution that puts the needs of our members first. As a nonprofit organization, we offer better rates and lower fees than other banking options. We pass the savings on to you!

In addition to our youth savings accounts, we offer a full range of banking products to serve all of your financial needs. Whether you’re looking for a low-rate loan, a convenient checking account, or a mortgage with flexible terms, we’ve got you covered. Become a member today for banking that goes the extra mile!

San Francisco Skyline on a sunny day with iconic landmarks, including the Transamerica Pyramid and the Golden Gate Bridge.

Member Reviews


San Francisco Federal Credit Union Youth Savings Account FAQ

A youth savings account encourages smart money management from a young age. Your child can save money and earn interest without worrying about monthly fees or minimum balance requirements, which helps them develop good financial habits early.

Per federal regulations, you can make up to six withdrawals or transfers per month without a penalty. If you exceed the number of allowed monthly withdrawals and transfers, you will be charged an Excess Activity Fee.

Our youth savings account doesn’t have a monthly maintenance fee, which means more of your child’s money stays in the account to grow over time.

Our savings accounts do not allow for check writing. If you need an account that you can write checks from, consider opening a checking account.

Yes, our youth savings accounts are federally insured for up to $250,000 by the National Credit Union Administration (NCUA).

Your child can easily keep up with their account balance and transfer funds online or with our mobile app.

Because a youth savings account is intended to encourage savings, it does not come with a debit card. If your child needs to make a purchase, money can be transferred to their checking account or you can make a cash withdrawal.

More Ways We Can Help You Grow Your Savings


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We love hearing from you. Reach out to us online or visit one of our convenient branches in the Bay Area.

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