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Youth Program

Set your children up for financial success

Open An Account
  • Youth Savings

  • Youth Certificate

  • Youth Checking

  • Youth Credit Card

Youth Savings

Youth Savings Account

When it comes to opening an account for your children, you need to first decide if you want the child to have access to the money. We offer two options for your savings needs.

California Uniform Transfer to Minor Account (UTMA)
If you are putting away money for your child's future and you do not want them to have access to it until they are 18 or 21, you may consider a California Uniform Transfer to Minor Account (UTMA).  This account establishes the minor as the beneficiary of the account with an adult as the Custodian. This means the child does not have access to the funds until they reach age 18 or 21, whichever is designated at account opening.

Regular Youth Savings Account
If your child is learning how to manage their own money, this account is set up with them as the primary owner and an adult as the joint owner.  This account can be converted to an adult account without a joint owner once they reach age 18.

Both accounts are a great first tool in learning to save money and offer:

  • Dividends with a balance of $200 or more
  • Free debit card to members age 14 and older
  • $25 minimum balance requirement

Rates

Savings Accounts   Rates as of 1-1-23
Type Dividend Rate APY1
Savings 0.05% 0.05%
Holiday Club 0.05% 0.05%
Youth Savings 0.05% 0.05%

1 Annual Percentage Yield. Fees may reduce earnings.

Open A Savings Account

$25 to open

Establishes Your SafeAmerica Membership

Open Account
  • Earn dividends
  • No monthly service fee
  • Online banking
  • Mobile banking
  • eStatements

Youth Certificate

Youth Share Certificate

This high yielding certificate is available for ages 23 and under. Opening a youth share certificate is the perfect way to help them get a big start on their financial future.

  • 9.99% APY
  • 12 month term
  • $1,000 minimum and maximum
  • Limited to one youth share certificate per member
  • Upon maturity, the certificate may roll over at the current rate, roll over into a share savings account, or can be withdrawn
  • Your child must have their own SafeAmerica Credit Union share account with a $25 minimum balance

Rates

Share Certificates   Rates as of 1-1-23
Term Dividend Rate APY1
3 Months 1.00% 1.00%
6 Months 1.24% 1.25%
8 Month Special 3.93% 4.00%
11 Month Special 4.17% 4.25%
12 Months 1.98% 2.00%
24 Months 2.23% 2.25%
36 Months 2.23% 2.25%
48 Months 2.23% 2.25%
60 Months 2.23% 2.25%
Youth Certificate** - 12 months 9.56% 9.99%

1 Annual Percentage Yield. Minimum balance requirement is $1,000. Available rates subject to change without notice. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply to certificates.

** Only one youth certificate per member. For ages 23 and under only. Existing youth certificate will be renewed into a regular certificate rate at the rate in effect at that time for 12 months, not the high yield youth certificate. Once the certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply.

8 and 11 Month Special: Minimum balance requirement is $10,000, new money only and rolls into a 6 month certificate upon maturity. Any money deposited at SafeAmerica within the last 30 days qualifies as “new money”. Early withdrawal penalties apply to all certificates.

Rates and Fees »

Open A Youth Share Certificate

9.99% APY

Join & Open Account
Existing Member
  • 12 month term
  • No monthly service fee
  • Ages 23 and under

Youth Checking

Youth Checking

SafeAmerica's Youth Checking Account is ideal for members ages 14 to 23 years old who are opening their first checking account, looking to begin their college career, or ready to enter the workforce.

  • No minimum balance
  • No monthly fee
  • Free mobile banking
  • Free Debit Card1
  • Free online banking & bill pay
  • One complimentary NSF (Non-Sufficient Funds) fee reversal2
  • Account access at over 6700 shared branch locations
  • 30,000 CO-OP Network Surcharge-free ATMs nationwide

1Free ATM Transactions on all SafeAmerica ATMs and up to 4 free foreign ATM machines. ATM fees charged by third parties are not the responsibility of SafeAmerica Credit Union.

2One complimentary Non-Sufficient Funds Fee reversal per year upon request.

Rates and Fees »

Open A Youth Checking Account

Join & Open Account
Existing Member
  • No minimum balance
  • No monthly service fee
  • Online banking
  • Mobile banking
  • Mobile deposit
  • Free debit card

Youth Credit Card

Youth Credit Card

Our youth products are designed to help you get started on the path to financial success.  Part of that success is establishing good credit early on.  Our Youth Visa® Platinum Rewards credit card is ideal for the young adult taking their first steps to building credit history.  Choose from:

  • Visa Platinum Rewards Credit Card (Ages 14 to 17 Years)1
  • Visa Platinum Rewards Credit Card (Ages 18 to 23 Years)2

Whichever card suites you, you'll receive all the same benefits as our regular Visa Platinum Rewards credit card.

Benefits

  • Earn Rewards points, one for every dollar you spend.
  • Redeem points for merchandise, gift cards, or cash
  • Low APR
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No penalty "default" rate change for late payments
  • Free Visa eStatements
  • Use as an overdraft protection source
  • Up to $1 million in Travel Accident Insurance

Open A Youth Credit Card

Apply Online
  • No annual fee
  • Lower limits to maintain spending
  • Online banking
  • Mobile banking

Learn more about our Visa Platinum Rewards credit card or apply online.  You can also visit any of our branch locations or call us at (800) 972-0999 and we'll be happy to help.

Learn More
Apply Online

Rates and Fees »

1 Credit Card limit up to $300 on approved credit with a qualified adult cosigner.

2 Credit Card limit up to $500 on approved credit. Member may qualify for a higher limit with a qualified adult cosigner.

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  • No. California: (925) 734-4111
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Routing Number: 321171757

NMLS#: 746366

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SafeAmerica is an Equal Housing Lender American Share Insurance Logo

Your savings insured to $500,000 per account. By members’ choice, this institution is not federally insured, or insured by any state government.

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