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Youth Savings

Start saving young today

For better financial habits tomorrow

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Overview
Two great children's savings accounts

It’s never too early to start saving! At AFFCU, we’ve got two great savings accounts for children, depending on their age.

Our Coindexter account is for kids 0-12, and comes with free savings resources and fun financial programs. Coindexter Kids Club members receive access to the Coindexter Youth Savings Club, a membership card, special quarterly Club newsletters, birthday cards and other special mailings. Plus, parents can freely make deposits.

Our JetSpace savings account is for teens 13-17, and these members will receive access to AFFCU’s CyberMAT and mobile banking, a membership card, and guaranteed safety for their funds. Earn higher interest on your savings, all while enjoying the convenience of online and mobile banking.
Online and mobile banking

Great interest rates on your savings

Parents can freely contribute deposits

Access to Coindexter Youth Savings Club
“I have been a member as far back as I can remember and have been very satisfied. This week I ran into a problem and the representative went beyond my expectations. I truly appreciate him. Thank you.”
Mary DeGeus

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Start a savings account for your child online today.
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Why a credit union is the right choice

Ever heard of a credit union? Find out why it's the perfect choice for finance-savvy teens and kids.
Learn More

Savings Interactive Lesson

Learn how your child can develop smart saving habits and set up savings goals through the AFFCU Financial Education Center.
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Questions
Frequently Asked Questions
- How much do I need to open an account?
  Both the Coindexter and JetSpace savings accounts can be opened with just $5.00.
- Do I need to have a parent on the account?
  Yes, you must have a parent or legal guardian named as joint on the account. If there is a legal guardian, guardianship papers will be required.
- Am I eligible for a debit card with either of the Youth Savings accounts?
  No, neither of the Youth Savings accounts is eligible for a debit card.
Help

For more information or if you have a question, please get in touch with us.
Contact Us

Open your account online

Start a savings account for your child online today.

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How can we help you succeed?

What would you like to borrow for?
- A home
  - Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
- A vehicle
  - Cool! Are you looking for a regular car, or something a little more adventurous?
    - Something adventurous
      - Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
    - A regular car is fine with me
      - Sounds good! We have low rates available for both new and used
        Auto Loans. We can also Refinance your current loan with another institution.
- An education
  - Right on! We have Student Loans available through our trusted partner, Sallie Mae.
- Something else
  - Sounds good! Are you more interested in a lump sum or a line of credit?
    - Lump sum
      - Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
    - Line of credit
      - Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
- I’m mostly interested in a credit card
  - Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.

What would you like help with?
- Accessing my accounts
  - Okay, how would you like to access your accounts?
    - Online
      - Ok! Is this is your first time using Online Banking?
        
        Yes
        
        Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
        
        No
        
        Great. To access your account, simply click “Login” in the upper right hand corner of the page.
    - On my mobile device
      - Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Opening a checking account
  - Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
- Signing up for eStatements
  - Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
- Running my small business
  - Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
- Getting insurance
  - Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.

What would you like to save for?
- The holidays
  - Nice! We think you’ll love our Christmas Club account.
- I’d like to open a savings account for my child
  - Great idea! We have several Youth Savings accounts available, depending on your child’s age.
- Something else – and I’d like to earn a good interest rate
  - Do you have some money saved up already?
    - Yes, quite a bit
      - Nice! Are you okay with leaving your money untouched for a while?
        
        Sure
        
        Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
        
        I’d prefer to make withdrawals when I need to.
        
        Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
    - Not much
      - No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- I’d prefer just a basic savings account
  - Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.