Youth Accounts

It's never too early to start saving. That's never been truer than today, with on-the-rise college expenses and more gadgets and gizmos than you could even quantify. That's why we offer several different options for our youngest members ranging from the barely walking and talking stage to young adults up to 25.

With free money management tools and other age-appropriate, engaging benefits, our youth accounts strive to build a strong foundation early on in our youngest members' financial lives. Plus, they start earning competitive dividends on every dollar deposited right away!

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Deep Sea Savers
  • Available to our youngest members 13 and under
  • For our youngest Deep Sea Savers, newborn to one year, we will make the initial opening deposit of $6 ($1 membership fee, $5 share savings deposit)
  • Competitive dividends on every dollar deposited
  • Start setting aside for big future goals or smaller everyday items
  • Teaches the value and principles of saving from an early age
  • Make deposits to earn Sand Dollars
  • Redeem Sand Dollars for prizes in our Sunken Treasure Chest!
  • Participate in fun monthly activities!
  • Start saving for college at an early age with our College Club
  • Watch your savings grow quickly with our Add-On Youth Share Certificate
  • Enjoy an extra $5 birthday deposit from First Capital FCU around your birthday*
  • Deep Sea Saver account will automatically convert to a Rock Star Super Savers account at age 14
  • $5 minimum deposit to open

*Every year, bring in your FCFCU birthday card within 30 days of your birthday with a $25 deposit, and we'll deposit an extra $5 into your Deep Sea Savers Account.


See our Deep Sea Savers brochure for more information.


Truth in Savings Disclosure

Fee Schedule

Rock Star Super Savers
  • Available to members ages 14 to 25
  • Competitive dividends on every dollar deposited
  • Start setting aside for big future goals or smaller everyday items
  • Teaches the value and principles of saving from an early age
  • Make deposits of $50 or more to participate in monthly activities and to earn Star Status stamps
  • Redeem Star Status Stamps for prizes like movie tickets and iTunes® gift cards!
  • Access to free checking accounts
  • Free box of checks every year
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • Access to private student loans
  • Educational opportunities via our free seminar series
  • Start saving for college at an early age with our College Club
  • Watch your savings grow quickly with our Add-On Youth Share Certificate
  • Enjoy an extra $5 birthday deposit from First Capital FCU around your birthday (available to account holders 17 and under)*
  • $5 minimum deposit to open
  • Rock Star Super Saver account will automatically transition into the Star Rewards program at age 26

See our Rock Star Super Savers brochure for more information.

*Up to your 17th birthday, bring in your FCFCU birthday card within 30 days of your birthday with a $25 deposit, and we'll deposit an extra $5 into your Rock Star Super Savers Account.

Truth in Savings Disclosure

Fee Schedule

Activities Calendar

July

  • Deep Sea Savers: Color a picture of a flag to celebrate Independence Day.
  • Rock Star Super Savers: Write (in 50 words or less), what Independence Day means to you.

August

September

  • Deep Sea Savers: Tell us what you like best about school and what subject is your favorite.
  • Rock Star Super Savers: Write (in 50 words or less), what your savings goals are for this school year and how you plan to reach them.

Receive a Sand Dollar Stamp or Star Status Stamp for participating each month!