Teach them to start saving early! Open a new youth membership with a High-Yield Youth Savings account, Youth Flex Certificate, or Genius High-Yield Checking account for chance to win $500!* Offer Ends August 31st
Visit a Branch Near You
Available for ages 0 to 21
High Yield Youth Savings Account
6.00% APY1
Genisys Credit Union Youth Savings Accounts are structured to encourage and reward saving. Earn an amazing rate of 6.00% APY1 on balances up to $2,500. This High Yield Youth Savings Account is available for kids from birth to 21 years old.
Balances up to $20,000
Youth Flex Certificate
4.00% APY2
Earns 4.00% APY2 on balances of $100 to $20,000 for 12-months. This is available to members until age 21. Open an account with just $100 and get three options during your one-year term.
- Make additional deposits of $10 to the maximum amount to your Flex Certificate.
- Withdraw up to 25% of your principal one time throughout the term without an early withdrawal penalty.
- Bump-up the rate one time during the term should the offered rate on this Youth Flex Certificate increase.
Includes Debit Rewards
Genius High Yield Checking
6.75% APY3
As early as age 12, you can also co-sign for them to open a Genius High-Yield Checking account and begin learning the responsibilities of saving and spending. This checking account earns 6.75% APY3, with a potential earning of nearly $500 a year. Plus, this account can be easily managed with our mobile apps.
High Yield Youth Savings
Effective Date: Thursday, July 9th, 2026
| Dividend Rate | APY* | Dividend Credited |
| 5.84% |
6.00% |
Monthly |
Download an Application Savings Growth Calculator *Annual Percentage Yield designated as APY and subject to change at any time. High-Yield Youth Savings account is only for members from ages 0-21. No minimum balance. Balances above $2,500.00 are paid the standard share savings rate. |
Youth Flex Certificate
Effective Date: Thursday, July 9th, 2026
$20,000 Max Balance • Available for ages 0 to 21
| Term | Dividend Rate | APY* |
| 1 Year |
3.94% |
4.00% |
Open an Account *Annual Percentage Yield designated as APY and subject to change at any time. Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty. |
Genius High Yield Checking
Effective Date: Thursday, July 9th, 2026
| Dividend Rate | APY* | Minimum Balance |
| 6.55% |
6.75% |
$0 |
Open an Account Annual Percentage Yield designated as APY. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn stated APY. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. Balances above $7,500 earn .05% APY. See Genius Checking page for details. |
Open the Account that Grows with Them!
Genisys Youth Accounts teach parents and kids about money starting from day one. Help your kids grow their money with our APY High-Yield Youth Savings Account and Genius High-Yield Checking when the first job begins.
AGES 0-6 YEARS OLD
Moola Moola Club
This is a fun way to learn about money and the importance of saving.
Moola Moola Account Benefits:
- Account Opening Gift
- eAllowance - Have your allowance directly deposited into your account
- Parents have easy access through online banking and quarterly estatements
- Access to our Financial Toolbox packed with resources for all ages
AGES 7-12 YEARS OLD
Wealth Warriors Club
This is a fun way to learn about managing money and how to make it grow.
Wealth Warriors Account Benefits:
- Account Opening Gift
- Newsletter - Offering real life financial information, tips and advice
- eAllowance - Have your allowance directly deposited into your account
- Parents have easy access through online banking and quarterly estatements
- Access to our Financial Toolbox packed with resources for all ages
AGES 13-21 YEARS OLD
Money Fit Club
This is a helpful tool to guide you in the right direction financially by providing answers to your questions and assisting you in managing your money.
Money Fit Account Benefits:
- Account Opening Gift
- eBooks & Videos - Fun, educational videos to help understand finances.
- Newsletter - Offering real life financial information, tips and advice
- eAllowance - Have your allowance directly deposited into your account
- Easy access through online banking and quarterly e-statements
- Access to our Financial Toolbox packed with resources for all ages
*Contest runs from July 1, 2026-August 31, 2026. New memberships opened with a High-Yield Youth Savings, Youth Flex Certificate, or Genius High-Yield Checking will be entered in our random drawing to win $500. The winner will be selected by September 4, 2026, contacted by Genisys Credit Union, and funds deposited into the primary savings account.
1. Annual Percentage Yield designated as APY. and subject to change at any time. High-Yield Youth Savings account is only for members from ages 0-21. No minimum balance. Balances above $2,500.00 are paid the standard share savings rate.
2. Annual Percentage Yield designated as APY and subject to change at any time. Additional deposits of $10 or more up to the max limit allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
3. Annual Percentage Yield designated as APY and subject to change at anytime. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn 6.75%APY. Balances over $7,500 will earn .05%APY. The earned per year amount shown is calculated by a full year at the account balance amount selected in the slider. Your results may vary as your daily account balance fluctuates. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle.
This page is in compliance with the Children's Online Privacy Protection Act (COPPA) and does not collect or retain information from any visitor to the page including children under the age of 13. For more information on The Children's Online Privacy Protection Act please read Frequently Asked Questions about the Children's Online Privacy Protection Rule.
Go to main navigation
