Youth Accounts
Build Strong
Money Habits
Youth Accounts
Build Strong
Money Habits
Three Accounts. One Smart Start.
Choose the account that matches your child’s age and their next stage of independence.
Youth Account
A smart way to start saving early.
Designed for young members just beginning their savings journey, with parent guidance every step of the way.
- Available for members ages 0–11
- Helps kids learn how money grows over time
- Great for allowance, gifts, and savings goals
- Builds strong financial habits early
Teen Account
More independence with the right guardrails.
Built for teens ready to manage spending and saving with a debit card, while parents stay connected.
- Available for members ages 12–16
- Includes a Teen Visa® Debit Card
- Great for school, sports, and everyday purchases
- Helps teens learn real-world money management
Milestone Account
Ready for the next step.
Designed for older teens and young adults preparing for work, college, and everyday financial decisions.
- Available for members ages 17–21
- Includes a Milestone Visa® Debit Card
- Eligible to apply for a Visa® Credit Card at 18
- Ideal for first jobs, budgeting, and daily spending
- Builds confidence before adulthood
Earn a $150 Bonus When You Open a Teen or Milestone Account!*
- Complete 10 debit card transactions within 90 calendar days
- Bonus will be deposited into the new Teen or Milestone NCPD FCU Checking Account within 60 calendar days at the end of the 90-day promotional period
- Offer valid 2/2/26 through 6/30/26
Get $50 When You Open a Youth Savings Account!**
- Special introductory rate of 5.00% APY on the first $1,000 on deposit***
- Automatic conversion to a Share Savings Account at age 21
Built for Confidence, Safety, and Smart Money Habits
These accounts were designed to help young members learn financial responsibility while giving parents peace of mind.
Online and Mobile Banking
Members can manage accounts anytime using Online Banking and the Mobile App.
Security You Can Trust
Each account includes built-in protections to help keep young members’ money secure.
Spending Made Visible
Parents and teens can easily view balances and track spending activity.
Direct Deposit
Ready
Automatic deposits make saving from part-time or first jobs simple.
Why Open a Youth Account?
Parents: Stay in the Know
Giving your child financial freedom doesn’t mean giving up control. With NCPD Federal Credit Union Youth Accounts, parents can stay involved and help guide smarter decisions along the way.
- Monitor balances and account activity with real-time notifications
- Encourage better spending habits
- Support healthy savings goals
- Help your child build financial confidence safely
- Explore our blog for kid-friendly financial tips and articles
Start the Habit Early
A Youth Account helps kids learn that saving isn’t just something adults do; it’s something they can do too. It’s a simple way to turn allowance, gifts, and chore money into long-term habits that build confidence and responsibility.
Built to Grow With Them
As your child becomes more independent, their financial tools should grow with them. Teen and Milestone Accounts help them practice responsible spending with a debit card before adulthood.
Frequently Asked Questions
- Youth Account: 0—11
- Teen Account: 12—16
- Milestone Account: 17—21
Youth and Teen Accounts require joint ownership with a parent or guardian.
Yes. Both accounts include a Visa® Debit Card designed for that age group.
Debit card spending limits and real-time notifications provide added oversight and peace of mind.
Ready to Help Them Start Strong?
Whether your child is saving their first dollar or learning to manage their first debit card, NCPD Federal Credit Union is here to help them build money habits that last a lifetime.
Open an AccountFrequently Asked Questions
- Youth Account: 0—11
- Teen Account: 12—16
- Milestone Account: 17—21
Youth and Teen Accounts require joint ownership with a parent or guardian.
Yes. Both accounts include a Visa® Debit Card designed for that age group.
Debit card spending limits and real-time notifications provide added oversight and peace of mind.
Ready to Help Them Start Strong?
Whether your child is saving their first dollar or learning to manage their first debit card, NCPD Federal Credit Union is here to help them build money habits that last a lifetime.
Open an Account**From 1/1/26–3/31/26, NCPD FCU will provide a $50 opening deposit for Youth Accounts. After 3/31/26, the opening deposit will return to $25.
***Youth Savings 5.00% APY (Annual Percentage Yield) is on the first $1,000 on deposit; amounts over $1,000 will receive current savings dividend rate. Special rate limited to one Youth Savings Account per minor. All Youth Savings Accounts convert to a regular Share Savings Account at age 21.
