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 19.

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 Coins
  • Redeem Coins for prizes or cash!
  • 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 NextGen account at age 14
  • $5 minimum deposit to open

*Every year, bring in your FCFCU birthday card within the month 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

NextGen
  • Available to members ages 14 to 18
  • FREE t-shirt at account opening
  • Earn 50 points for every $50.00 deposit
  • For every 500 points earned, receive a $5.00 deposit automatically into your savings account
  • Random quarterly drawings for gift cards
  • 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*
  • $5 minimum deposit to open
  • NextGen account will automatically transition into the Star Rewards program at age 19

See our NextGen brochure for more information.

*Every year, bring in your FCFCU birthday card within the month of your birthday with a $25 deposit, and we'll deposit an extra $5 into your NextGen account.


Truth in Savings Disclosure

Fee Schedule