Youth Savings Programs

• Available to our youngest members 13 and under
• Competitive dividends on every dollar deposited
• Start setting aside for big future goals or smaller everyday items
• Teaches the value and principles of saving from an early age
• Make deposits to earn Coins
• Redeem Coins for prizes!
• Start saving for college at an early age with our College Club
• Watch your savings grow quickly with our Add-On Youth Share Certificate
• Enjoy an extra $5 birthday deposit from First Capital FCU around your birthday*
• Deep Sea Savers will automatically convert to NextGen membership at age 14
• $5 minimum deposit to open
  • For our youngest Deep Sea Savers, newborn to one year, we will make the initial opening deposit of $6 ($1 membership fee, $5 share savings deposit)

See our Deep Sea Savers brochure for more information.

*Every year, bring in your FCFCU birthday card within the month of your birthday with a $25 deposit, and we'll deposit an extra $5 into your Deep Sea Savers Account.

• Available to members ages 14 - 17
• FREE tumbler at account opening
• Earn 50 points for every $50 deposit
• For every 500 points earned, receive a $5 deposit automatically into your savings account
• Random quarterly drawings for gift cards
• Free box of checks every year
• Free Electronic Services
• Access to private student loans
• Educational opportunities via our free seminar series
• Start saving for college at an early age with our College Club
• Watch your savings grow quickly with our Add-On Youth Share Certificate
• Enjoy an extra $5 birthday deposit from First Capital FCU around your birthday*
• NextGen members will automatically transition into the Star Rewards program at age 18
• $5 minimum deposit to open

See our NextGen brochure for more information.

*Every year, bring in your FCFCU birthday card within the month of your birthday with a $25 deposit, and we'll deposit an extra $5 into your NextGen account.

Create an easier transition into college for yourself and your student by setting up an account early. A Coverdell Education Savings Account (ESA) provides a tax-free safe place to grow competitive dividends and also financial confidence for a new stage in life.

• Set aside funds for your child's education
• No setup fee
• Dividends grow tax-free
• Withdrawals are tax-free and penalty-free when used for qualified education expenses*
• Designated beneficiary must be under 18 when contributions are made**
• To contribute to an CESA, certain income limits apply**
• Contributions are not tax deductible
• $2,000 maximum annual contribution per child
• The CESA may be transferred without penalty to another member of the family**
• The money must be withdrawn by the time he or she turns 30***

Request Additional Information

*Qualified expenses include tuition and fees, books, supplies, board, etc.

**Consult your tax advisor.

***Those earnings are subject to income tax and a penalty.