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Help your child get on a solid financial path. We offer several programs to help children and teens learn smart money habits early on. Learn more about our youth savings accounts below!

  • Available to our youngest members 13 and under
  • 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!
  • 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 Savers will automatically convert to NextGen membership at age 14
  • $5 minimum deposit to open
    • 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)

See our Deep Sea Savers brochure for more information.

  • Available to members ages 14 - 17
  • FREE tumbler at account opening
  • Earn 50 points for every $50 deposit
  • For every 500 points earned, receive a $5 deposit automatically into your savings account
  • Random quarterly drawings for gift cards
  • Free box of checks every year
  • Free Electronic Services
  • 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*
  • NextGen members will automatically transition into the Star Rewards program at age 18
  • $5 minimum deposit to open

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.

Create an easier transition into college for yourself and your student by setting up an account early. A Coverdell Education Savings Account (ESA) provides a tax-free safe place to grow competitive dividends and also financial confidence for a new stage in life.

  • Set aside funds for your child's education
  • No setup fee
  • Dividends grow tax-free
  • Withdrawals are tax-free and penalty-free when used for qualified education expenses*
  • Designated beneficiary must be under 18 when contributions are made**
  • To contribute to an CESA, certain income limits apply**
  • Contributions are not tax deductible
  • $2,000 maximum annual contribution per child
  • The CESA may be transferred without penalty to another member of the family**
  • The money must be withdrawn by the time he or she turns 30***

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