Start Off on the Right Foot

Who says a buck doesn’t get you anything these days? Here, with a $1 initial deposit, kids of all ages will get a savings account specially designed for them. It’s full of extras too – like birthday gifts, fun learning opportunities, and best of all, the chance to watch their money grow. That’s a lot of value for $1, don’t you think?

Jump Start Savings

Jump start your financial future! We want to help you build a solid foundation to provide everything needed to take the first step towards financial freedom and independence. With Jump Start Savings1 at Y-12 FCU, we can help your money grow fast by earning 2.00% APY2 on your first $5,000.


  • A Y-12 FCU Jump Start Savings account can earn 2% annual percentage yield on the first $5,0002

  • Jump Start Savings Account is for ages 0-23

  • Only $1 to open an account and establish credit union membership

  • $0 monthly service fees

  • FREE online and mobile banking

  • FREE financial education tailored to early learners and savers


Visit any branch location to open your Jump Start Savings

Save to be a Millionaire

Penny Penguin (ages 0 to 13)

Introduce your child to The Penny Penguin Club, Y-12 Federal Credit Union’s exciting savings program especially for kids ages 12 and under. The Penny Penguin Club is designed to help our young members learn the value of money. With The Penny Penguin Club, kids will have the tools needed to learn financial responsibility.

As a Penny Penguin Club member, your child will receive:

  • An ID card and holder containing a passbook to keep track of account transactions and a plastic coin that can be saved and redeemed for prizes

  • Penny Penguin Club birthday card mailed during the child’s birthday month that can be redeemed for a free gift

  • Special one-year Jump Start Share Certificate ($100 minimum) designed to motivate kids to save money

  • All members in this age range will be automatically enrolled in The Penny Penguin Club


Schedule an appointment at a branch location.

Visit any branch location to open a Penny Penguin Account

Want to take your financial development to the next level? Our Achieve for K12 program is a fun and interactive way to engage in learning essential financial skills to help on your journey.

Save for College

Learn How Your Deposits are Insured

1. A Jump Start Saving Account is for ages 0 to 23 only. If under 18, the child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a primary share savings account when the member reaches age 24.

2. APY is Annual Percentage Yield and is for the first $5,000 to be determined quarterly.  Balance over $5,000 continue to earn the regular share savings rates. View our current rates.