Youth Savings Accounts

Start building smart saving habits early.

A Youth Savings account helps young members start saving early and learn the value of managing money.

Helping young members start saving.

The Youth Savings account is designed for members age 18 and younger who are beginning their savings journey. With a small opening deposit and no monthly service fee, it is an easy way for families to help children start building healthy financial habits.

A parent or adult must be listed as a joint owner on the account until the minor reaches the age required to hold the account independently.

Explore savings accounts at Hawaii Community Federal Credit Union, offering secure, flexible options to help you build financial confidence across Hawaii.

Account features

Youth Savings accounts are designed to help young members start saving early.

Only $5 required to open the account
No monthly service fee
Designed for members age 18 and younger
Joint account with a parent or adult required
Eligible for Deposit Days programs

Frequently Asked Questions

View All

How do I become a member of Hawaii Community Federal Credit Union?

You can open your account online or at a branch. Make sure you have your Social Security number or individual Tax Identification number, a photo ID issued by the U.S. government (driver's license, passport, state or military ID), and a credit or debit card.

Who is eligible to become a member?

Individuals who live, regularly work, worship, attend schools or perform volunteer services on Hawaii Island; and members of their immediate families or household and organizations of such persons.
Any business and other legal entities located on Hawaii Island.
Immediate family members of a natural person member or potential member may join the credit union even if they do not live, regularly work, worship, attend schools or perform volunteer services on Hawaii Island.
Immediate family members are defined as grandparents, parents, step-parents, spouse, siblings, step-siblings, children, adopted children, step-children and grandchildren of the natural person member or potential member.
Membership is open to persons who reside in the same “household” with a current member even if the residence is located outside Hawaii Island.
"Household" is defined as persons living in the same home and who maintain a single economic unit. This includes any family members, domestic partners, foster children and legal guardian relationships.

Tools to help you reach your goals

Security Center

Security Center
Financial Goals

Financial Goals
Calculators

Calculators
FAQs

FAQs

Home Budget Calculator

Find areas where you can improve your finances.

Refer Friends

When they open a checking account, you'll get a gift card, and they'll be entered to win a prize!

Free Checking

Easy Free Checking Account

Join our ohana today with an Easy Free Checking Account.

Learn More