Grow savings at any age.

It’s never too early to start building strong financial habits. Teaching kids money management with their own savings accounts can help them create healthy habits that will bring lifelong benefits.

Open an AmeriCU Youth Savings Account today and watch their savings grow as they grow!

 

OPEN A YOUTH SAVINGS ACCOUNT NOW >>

Compare Accounts

Feature Image

Stars and Stripes Share Savings

  • For members ages 0 to 12.
  • Requires an adult joint owner.
  • $0.01 minimum balance to open.
  • No monthly service or maintenance fees.
Feature Image

Rising Stars Share Savings

  • For members ages 13 to 17.
  • Requires an adult joint owner.
  • $0.01 minimum balance to open.
  • No monthly service or maintenance fees.
  • Eligible for the AmeriCU Scholarship Program.
  • Automatically transitions to a Share Savings Account when they turn 18.

Youth Savings Perks

Feature Image

Easy Online Access

When you use our Online + Mobile Banking, available on desktop or through the AmeriCU app.

Feature Image

Healthy Savings Habits

Learning good financial behavior now makes for greater financial success down the road.

Feature Image

Earn While You Save

All savings accounts earn dividends, which are compounded then paid out to you each month.

SCHOLARSHIPS

Each year, AmeriCU is proud to award scholarships to graduating high school seniors or students continuing their college education.

Scholarships

Free Youth Financial Wellness Courses and Tools

Feature Image

Banking Basics

Implement these strategies to help build strong financial habits and accomplish your goals!

Feature Image

Savings

Learn about savings accounts so you can make sure you’re taking the right approach when it comes to managing your money.

Feature Image

Budgeting Tool

This simple tool can help you quickly and easily plan your monthly expenses and get a better sense of where your money is going.

You may also be interested in

Feature Image

Share Certificates

AmeriCU’s share certificates are some of our highest yield deposit options. You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility.

Feature Image

Money Markets

High earning potential and greater flexibility make Money Markets a great, low-risk choice for building savings. It’s like a Share Certificate except you can keep making deposits into the account.

Feature Image

Financial Education

We offer a variety of educational tools and resources to learn about the different ways to save, grow, and spend your money! Let’s connect you with our financial wellness and education courses.

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!


Latest From AmeriCU

news image

News

May 01, 2026

Making Business Cash Work Smarter in Today’s Economy

In today’s economic environment, many businesses are holding more cash than usual — but not all of it is working as hard as it could. Our latest article explores the current business economy and why liquidity matters more than ever.

events image

Events

May 14, 2026

Upstate Mobile Mammography at Griffiss Financial Center

AmeriCU is proud to partner with Upstate University Hospital’s Mobile Mammography Program to offer preventative breast screenings.

education image

Education

Apr 10, 2026

Teaching Kids to Budget

Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.