Youth Savings Account - Yolo Federal Credit Union Skip to main content

Yolo FCU Mobile


Free - On the App Store


Yolo FCU Mobile


Free - On the App Store

What Is It?

Youth Savings Account from Yolo Federal

You want your kids to grow up healthy and strong, and it would be pretty nice if they knew how to manage their money too. Why not start them young with a kid-sized savings account? They can earn dividends and practice good spending habits from an early age. All of our Jr. Savers are also entered in a monthly drawing of $15 per branch every time they make a deposit—it pays to save!

Kickstart Your Savings

Now through December 31, 2022 we’ll help kickstart new Jr. Saver accounts with $5*! Plus, a $1,000 donation** will be made to each elementary school with at least 50 new accounts opened during the promotional period.

Open your Jr. Saver account to kickstart your savings today!

Why Yolo Federal

Just right for your kids

  • For ages 0-12
  • No minimum balance required
  • Parents can make deposits and monitor the account
  • $5 Kickstart Bonus*

Rates & Fees

Savings Accounts

Minimum Daily Balance Dividend Rate Annual Percentage Yield
$0 0.03% 0.03%
$100 0.03% 0.03%
$10,000 0.03% 0.03%
$50,000 0.03% 0.03%
$100,000 0.03% 0.03%

Effective Date: December 1, 2022. Last Dividend Declaration Date: November 30, 2022. Rates subject to change at any time.

Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Some restrictions may apply.

  • Disclosures

    *Yolo Federal is offering a Kickstart Bonus match (“Bonus”) in the amount of $5 for any new Youth Savings account opened for ages 0-12 (Youth) between 12/6/22 and 12/31/22 (“Promotional Period”). To receive the Bonus, the parent or guardian on the account must be 18 years or older, qualify for membership, and open a Youth Savings account with a minimum of $5 for a Youth during the Promotional Period. The Bonus will be deposited into the S1 account at account opening. To avoid the monthly service fee, if over the age of 22, they must: maintain a minimum of $100 in their S1 Savings account, have Direct Deposit, or aggregate deposits and loans of $5,000 or more; otherwise a $5 fee applies. Minimum Savings balance to earn dividends is $0 and Annual Percentage Yield (APY) is 0.03%. APY effective December 1, 2022. Rates subject to change at any time. Employees and volunteers of Yolo FCU are ineligible for the bonus. The value of the bonus may be considered a taxable dividend and it will be reported on IRS Form 1099-INT. Some restrictions may apply.

    To establish membership they must deposit $1 in their S1 Savings account. Membership is available to anyone who lives, works, worships, or goes to school in Yolo County or has an immediate family member who is a current member. Some restrictions may apply.

    **Every elementary school that opens a minimum of 50 new Jr. Saver accounts during the promotional period will earn a $1,000 donation. Donation to be made in January 2023.