Youth Savings Accounts
It’s never too early to start saving! Teach your child the benefits of smart money management so they are set up to succeed in their financial future.
Our Youth Savings Accounts are crafted for children under 18 years old to learn how to save early on so they can reap big rewards later.
Whether it’s going to the Birmingham Zoo or catching a show at Legacy Arena—we can help you save up so you can craft lasting family memories. Open a Legacy Credit Union Youth Savings Account online today and get started!

Benefits of Opening a Youth Savings Account:
Save for the Future
Teach your child how to save for their future with this interest-earning account.
No Monthly Fees
With no monthly fees, they’ll keep more of their money for themselves.
Flexible Deposits
You can contribute funds to the account as often as you like.
Reach Financial Goals
Equip your child with the knowledge and skills to reach financial goals.
More Youth Savings Account Details
We offer two types of Youth Savings Accounts that a parent can open jointly with their child.
Our Share Savings Account offers:
- No monthly fees
- Competitive interest rates for better dividends
- 24/7 accessibility through our free online banking portal or mobile app
- Just a small $5 deposit to open
You can also open a joint Club Savings Account, which provides the following:
- Ability to set aside money for specific financial goals
- No initial deposit required
- No minimum balance
- No monthly fees
- Competitive interest rates
With no monthly fees and favorable interest rates, these accounts are designed to help your child grow their money faster. What’s more, you can access the account through our digital banking platforms at any time, allowing you to monitor your child’s savings progress whenever you wish.

Opening a Youth Savings Account Is as Easy as 1-2-3!

Apply Online
Just click on the button below to begin the application process.

Add Your Information
Enter your personal information and financial details in our secure online portal.

Start Saving!
Add some funds and then monitor the account activity remotely using our digital banking platform or mobile app.
★★★★★
“I have never had any issues with this bank and the staff is always nice and always willing to help. I’ve gotten car loans, checking, savings accounts, and also the Christmas Club.”
– Jan A., Adamsville, AL
FAQs About Our Youth Savings Accounts
Anyone who lives, works, worships, or attends school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, and Bibb counties surrounding Birmingham, Alabama, is eligible for membership.
No. They will need a parent or legal guardian over 18 years of age to open an account on their behalf. However, once your child reaches the age of 18, they can become a Legacy Credit Union member on their own.
These accounts don’t have monthly fees, making them ideal for young people.
Just visit our dedicated rates page to view the most current interest rates and APY details across all account types.
Yes! You can easily view and manage your child’s savings account online and monitor their progress.
A youth savings account will help your child develop a lifelong habit of saving, which will teach them the importance of financial responsibility at an early age and will set them up for financial success in the future.
Get in Touch With Us Today:
More Savings Options
Investment Accounts
If you’re ready to invest your money, our investment accounts offer great rates, fewer fees, and federal insurance.
Everyday Checking
This standard checking account is the workhorse of your everyday financial transactions. It comes with a debit card and no maintenance or monthly fees.
Engage Checking
The more you’re engaged—the more you can earn. When you meet our monthly qualifications, you can earn up to 2.0% APY* on balances of up to $15,000.