Youth & Teen Accounts
Give your kids the money management skills they need for bright financial futures!
Opening a youth account is easy as 1-2-3!
Make Finances a Part of Their Lives
Start building strong financial habits while they’re young. Our youth and teen accounts help our youngest members learn how to save, budget, and take the initiative with their finances.
Events and Features That Build Financial Character
It’s not just a spot to put loose change. Our youngest members can access savings challenges, contests, events, and online learning.
Score Some Birthday Gifts
A savings account that knows how to celebrate. Ages 2 to 5 receive a $5 check, while ages 6 to 12 receive a birthday check that matches their current age.
Explore Online Financial Education
- Pocket Cents Games provides games and learning fun for the whole family.
- Biz Kids is an award winning educational video program. Business resources, games, and lessons are also available.
- Practical Money Skills offers online resources geared towards the whole family, includes digital comic books with your favorite Marvel superheroes.
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Check Eligibility
Each child must be under 18, have a joint account owner who is 18 or older, and meet normal credit union membership requirements.
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Make a deposit
Make a minimum $5 deposit. The one-time membership fee is waived for youth and teen accounts.
Other Youth Accounts
Essential Checking made for Teens
More than just a checking account — a smart way for teens to manage money
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To receive the birthday bonus, please present your coupon at our branch locations or send a photo of your voucher to Marketing@FitzsimonsCU.com for redemption. This offer is only available to members of Fitzsimons Credit Union. The bonus will be deposited into the member’s savings account within 10 business days after redemption. Yearly birthday check deposit is considered a bonus and may be reported on IRS Form 1099. Estimated value of bonus is $5-$12. Offer can be modified or substituted at any time without notice. Federally insured by NCUA.
Rates
| Type of Account | Minimum Balance** | Dividend Rate1 | APY1 |
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| Share Savings |
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| Money Market Advantage 1 *†|
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| Money Market Advantage 2 *†|
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| Money Market Advantage 3 *†|
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| Money Market Advantage 4 *†|
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| Money Market Advantage 5 *†|
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| Money Market Advantage 6 *†|
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| 3 Month Certificate |
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| 6 Month Certificate |
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| 12 Month Certificate |
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| 18 Month Certificate |
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| 24 Month Certificate |
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| 30 Month Certificate |
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| 36 Month Certificate |
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| 48 Month Certificate |
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| 60 Month Certificate |
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| Traditional Contributory IRA |
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| 6 Month Traditional IRA Certificate |
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| 12 Month Traditional IRA Certificate |
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| 30 Month Traditional IRA Certificate |
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| 60 Month Traditional IRA Certificate |
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| Contributory Roth IRA |
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| 6 Month Roth IRA Certificate |
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| 12 Month Roth IRA Certificate |
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| 30 Month Roth IRA Certificate |
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| 60 Month Roth IRA Certificate |
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| Contributory Education IRA |
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| 6 Month Education IRA Certificate |
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| 12 Month Education IRA Certificate |
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| 30 Month Education IRA Certificate |
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| 60 Month Education IRA Certificate |
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Rates effective as of: February 20, 2026
Disclosures
1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.
* Money Market Advantage Accounts pay dividends based on a balance limit rate table. The minimum average daily balance required to receive dividends is $2000.
** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.
†Additions allowed
FAQs
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Youth accounts under 12 years of age are not eligible to access or open a checking account. Youth accounts over 13 years old can open a checking account.
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Upon turning age 13, a member’s account will automatically switch to a teen savings account. They will also be eligible to open a Teen Checking Account and get a Visa debit card.
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1. Deposit your child’s birthday check at one of our branch locations.
2. Take a picture of your child’s birthday check, front and back, and send it to Marketing@FitzsimonsCU.com
Note: We will send you a message either by e-mail or phone to let you know your check has been deposited. Don’t forget to endorse your check on the back.Â
Open an Account
Youth Accounts
Please schedule an appointment at one of the following branches to get started or give us a call at 303-340-3343:
Business Accounts & Loans
Please schedule an appointment at one of the following branches to get started:
Login
Home Value Look Up
[home-value]
Download our Mobile App
Open an Account
Leaving Our Website
Please Note: You are now leaving the Fitzsimons Credit Union website. We are not responsible for the privacy practices of any other website. We encourage you to read the privacy policies of any website you access, especially if individual identifying information is being collected.
Fitzsimons Credit Union does not represent either the third party or member if a transaction is entered.