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All branches will be opening late on Wednesday, April 30th, due to the American 1 All Staff Meeting. Please click here to view branch opening times.

 

Youth Accounts

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Smart Savings for Bright Futures

Our Youth Accounts help kids and teens build smart money habits from day one—turning small savings into big opportunities and every penny into a step toward financial independence!

 

Open an account   

Mom and daughter saving money

 

EAGLE EARNERS Independence Account Benefits FAQs 

 

 

Eagle Earners Account (Ages 0-12)

Give your child a head start on smart money habits with Eagle Earners, our youth savings account for kids 12 and under. With every deposit—whether in-branch or online—they’ll learn the value of saving in a fun, secure, and rewarding way. Plus, as an Eagle Earners Club member, they’ll receive a special birthday card and gift, along with seasonal postcards featuring fun savings tips to keep them engaged!

It only takes $5 to open an account, so start building their financial future today!

Download an Earnsley Eagle Coloring Sheet

 

get started 

Earnsly Eagle

 

Independence Account (Ages 13-17)

Teens taking a group selfie

It’s never too early to learn smart money habits! The Independence Account is designed for teens ages 13-17, giving them the tools they need to manage their money, set savings goals, and build financial confidence. With just a $5 minimum deposit, your teen can open a safe and secure account that helps them learn the basics of personal banking while preparing for financial independence. As an Independence Account holder, your teen will have access to:

Give your teen the freedom to grow and learn with an Independence Account today!

 

get started

Benefits Of Our Savings Accounts

At American 1 Credit Union, we believe that teaching kids to save today sets them up for financial success tomorrow. Our Youth Savings Accounts provide a simple, transparent, and engaging way for young savers to start building healthy money habits—because it’s never too early to learn how to spend wisely and save smart.

  • Teach financial responsibility – Help your child learn how to save, budget, and make thoughtful spending choices with their own account.
  • Build financial confidence – Managing their savings teaches real-world money skills that will prepare them for a strong financial future.
  • Grow their savings – With just a $5 opening deposit, your child can start watching their money grow with our competitive savings rates.
  • Support when you need it – Whether in-branch or online, we’re here to help with financial education and guidance every step of the way.
  • Easy account oversight – Monitor and manage your child’s savings through Online & Mobile Banking, giving you peace of mind as they learn.

Set your child up for success with a Youth Savings Account at American 1 Credit Union!

EAGLE EARNERS Account Independence Account 

 

 

Financial Education Resources

Start Saving Early & Watch Your Money Grow!

Discover how saving early and understanding compound interest can help kids and teens grow their money over time. Learn easy ways to build strong financial habits with American 1 Credit Union.

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Smart Shopping: Make Your Money Go Further!

Learn how to shop smart and make your money go further with these simple, kid-friendly tips. Build better spending habits, avoid impulse buys, and get more value from every dollar.

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Wants vs. Needs: Making Smart Money Choices

Help kids and teens understand the difference between wants and needs so they can make smarter spending decisions. Learn how to build strong money habits with American 1 Credit Union.

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