Youth Savings

S is for savings

Learning the language of saving starts with a child's first account.

The financial world has a language all its own, and we all know learning a language gets harder the older you get. Help children become more fluent in finance by setting them up with a Youth Savings account from XCEL.

The Youth Savings account is the start of your child's relationship with a credit union they'll grow to trust, eventually graduating to checking accounts and other solutions as they grow and their lives become more complex.

Youth Savings Account Details

  • An adult co-owner is required for account holders under 18
  • Open an account with as little as $5
  • Make deposits through a parent's payroll deduction, by visiting us in person, or banking-by-mail
  • No monthly account fees


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.