Youth Accounts

It’s Never Too Early to Start Teaching Financial Responsibility.

At Modesto’s First FCU, we welcome youths of any age to join the credit union family, and we offer three different options to best fit the needs of your family.

Youth Financial Learning Center

We’ve partnered with My First Nest Egg to provide fun, interactive financial education tools for kids and teens. Explore videos, activities, and resources designed to help young members build smart money habits — from saving and spending to goal setting and financial confidence.

Explore Youth Financial Learning Center

Minor Account for Children 0-12

  • Dividends paid quarterly and 2.02% APY** on balances from $200 to $1,000 (balances over $1,000 are paid the standard dividend rate)

Youth Account for Children 13-18

  • Dividends paid quarterly and 2.02% APY** on balances from $200 to $1,000 (balances over $1,000 are paid the standard dividend rate)

  • FREE Checking Account and debit card, with maximum card controls set by a responsible adult on the account

  • FREE access to M1FCU Digital Banking platform (mobile and online)

Custodial Account for Children 0-18

  • Dividends paid quarterly and 2.02% APY** on balances from $200 to $1,000 (balances over $1,000 are paid the standard dividend rate)

  • Only the custodian (parent or legal guardian) can make withdrawals from the account to protect the balance until the parent authorizes transfer