Start Smart Account for Teens
Our Start Smart savings account gives your teen the ability to set a savings goal and continue to learn smart saving habits.
- Earn higher interest than most savings accounts
- $5 opening deposit to earn interest
- Turn loose change into cash using the Coinstar machines at our branches
- Unlimited deposits
- Save for a car, college expenses and more
Open an Account
If you are an American First member, you can open a Start Smart account for your teen by visiting any branch or calling us.
Visit a Branch
Youth Savings Rates
As of 10/13/2026
| Account | Opening Deposit | Minimum Balance for APY | Dividend Rate | APY |
|---|---|---|---|---|
| Safari Club (Age 12 or Younger) | $5 | $5 | 0.25% | 0.25% |
| Start Smart Savings (Ages 13 to 17) | $5 | $5 | 0.25% | 0.25% |
APY = Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period.
Open a Personal Checking for your Teen
Open a personal checking account with a debit card for your teen to start learning smart saving and spending habits early. Choose the checking account that fits your teen the best.
Personal Checking Accounts
This site does not intend to market any products or services to children. The credit union does not knowingly gather or solicit data from children through this site, and by using this site you represent that you are at least 18 years of age.
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