Youth Cents Savings: Begin Your Child's Financial Education
Give your child more than a place to keep money—give them skills for life. With Youth Cents Savings, kids and teens learn how to budget, set goals, and save consistently, all with the support of parents and the encouragement of DFCU’s values-driven community. To help them start strong, we'll even match their first deposit by 10%, up to $10.
Teaching Financial Wisdom From the Start
The best financial habits begin early—and Youth Cents is designed to make learning about money both simple and fun. Children gain hands-on experience with saving, while parents maintain full oversight and peace of mind.
With a 10% match on the first deposit (up to $10), opening a Youth Cents account gives your child instant motivation to save. Start with as little as $5, and enjoy free ATM access at all DFCU and CO-OP locations. Each account includes joint ownership with a parent or guardian, allowing you to guide and monitor your child's progress while they build independence.
Youth Savings
Growing With Your Child Through Every Stage
Youth Cents grows right alongside your child—from their first allowance to their first paycheck. With no monthly fees, every dollar goes directly toward their goals. Interactive tools inside online banking help them track savings milestones and celebrate progress.
Every DFCU account is federally insured by the NCUA up to $250,000, their hard-earned savings will always be protected.
Parent Management Tools
Parents stay involved with built-in tools designed to monitor, teach, and encourage good habits.
Log in anytime to view balances, transfer funds for allowances or rewards, and set up custom alerts to celebrate progress or track new deposits. Visual spending insights help teach budgeting in a clear, age-appropriate way—turning everyday banking into a learning experience. It's an easy, empowering way to stay connected to your child's growth while guiding them toward financial confidence.
Get started
Simple Steps to Get Started
Child must be under 18 and eligible for membership
Parent or guardian as joint account owner
ID verification
(social security card, birth certificate, US issued photo ID, school photo ID)
Provide child's social security number
Apply online or visit any branch for assistance
Youth Cents Savings
From First Piggy Bank to First Paycheck—We’re Here
Youth Cents Savings lays the foundation for future financial confidence. Whether your child is saving for a bike, preparing for a mission, or starting a college fund, this account helps them see that every dollar has purpose. Begin their journey today with banking that shares your values.
Become a Member Today
Church members and immediate family members can join the credit union.
Rates quoted as annual percentage yield (APY). Fees could reduce earnings. Rates subject to change after account opening.