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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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youth savings
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savings that makes cents
Providing the first step to financial success for children, teens and college age kids.
at a glance
Making Smart Money Moves
Being money smart can mean future financial success. Get on the right track with a Youth Savings account that teaches children, teens, and young adults the importance of saving while also rewarding them for their efforts—toys (for children under age 9) when deposits are made at a branch and dividends that help build savings faster.
Whether your child wants to save for something big like a new car, or just have a stash of cash, this is the account that gives them the tools needed to make it happen.
Calculate how long it may take to reach a particular savings goal.
Whether your child wants to save for something big like a new car, or just have a stash of cash, this is the account that gives them the tools needed to make it happen.
Calculate how long it may take to reach a particular savings goal.
No monthly fee
You get to keep more of your money rather than paying a monthly service charge.
Free Coin Counting
Skip the counting and rolling—cash in up to $200 a day for free.
Free Mobile Deposit
Cash in that birthday check by depositing it within the app.
Walk-Ins Welcome
No appointment required for account opening.
Pro Parent Tip: Set your child or young adult on your online banking access and transfer money to them to pay for chores. Or, when they add a checking account, you can provide money on the fly for them to use versus having to get cash out of the bank or ATM.
Account benefits
Perks with Your Account
Enjoy 24/7 access to your savings account through online banking, while still having the option for personalized, face-to-face service at any of our MIDFLORIDA branches.
Mobile
Watch Your Account Grow
Open your account and sign up for online banking and you can watch your money grow. Plus, when you add other accounts like checking or maybe another savings account, you can manage those balances and transfer between accounts to ensure you're on top of your financial game.
Support
We're Here to Help
Different than some banks, we pride ourselves on providing the services you want and the support that you sometimes need. By phone, in branch or by secure message (within Online Banking), we can help answer any questions you have about your account or how it works or offer help on what may make sense for your future.
There's More to Love
There's more to know about MIDFLORIDA, here are a few things that we are passionate about.
Youth Savings FAQs
A $5 deposit is all that it takes to open a Youth Savings account. Joint owner or custodian requirements vary by account ownership type and age of minor.
Youth Savings accounts are available for kids and young adults up to age 20.
To open a Youth Savings or Student Checking the following ID requirements apply: A parent or guardian is required as a joint owner on all accounts where the minor is 14 and under. Youth 10-20 years old with a parent or guardian as a joint owner must provide their Social Security number and the parent or guardian must have a valid Florida driver's license, Florida ID card, or Military ID. Youth 15-20 can open an account without a parent or guardian as a joint owner and must provide their Social Security number and have a valid Florida driver's license, Florida ID, or Military ID.
*Offer valid as of January 1, 2026, and may be canceled at any time without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for terms and fees. Paper statements not routinely provided. The Absolutely Free Student Checking account is designed for members 10-20 years old. $25 minimum opening deposit required. Depending on age, the account may require a parent or guardian’s signature. Identification: Social Security number required for student; government-issued ID required for either the student or parent/guardian as joint owner to open the account and to receive a debit card. To qualify for the $50 incentive, you must open a new Absolutely Free Student Checking account, accept and open online banking, eStatement and a debit card; and complete five debit card purchase transactions which must post within the first 75 days of account opening. No dividends paid. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. New account must remain open and unrestricted at least 90 days to qualify for incentive. The incentive will be deposited to new Absolutely Free Student Checking account within 90 days of account opening after the qualifications have been met, and will be reported to the IRS.
