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Refer your friends and family and you'll both get $50 when they join!*

Youth Savings Accounts

Youth Savings Account

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Ready, Set, Save Special* for Credit Union Youth Savings Month--Jump Start Their Savings with up to $75 Bonus Cash!

This savings account is designed for anyone under the age of 18*. The youth will be the primary account holder, with a parent or legal guardian listed as a joint account holder. Simply open the account with a $25 initial deposit and a one-time $10 membership fee to get started.

For a limited time, open a Youth Savings Account between April 1 and April 30, 2026, and First South Financial will waive the $10 membership fee and even cover the $25 initial deposit for you!

Want to grow savings even faster? Add a 6-month Build-It CD with a minimum deposit of $50 or more, and we’ll match your first $50 deposit (limited-time offering).

Our youth savings accounts are designed to help teens and younger members confidently manage money while building strong financial literacy skills. Whether you're looking for a kids savings account or a teen checking account, accounts can be opened with a parent or guardian and a valid social security number. With convenient access through our mobile app, teens can track spending, set spending limits, and learn smart habits early. Enjoy no monthly fees and minimum balance requirements, making it easy to open a savings account and start building a strong financial future.These accounts are a great way to put the young people in your life on the path to becoming savvy savers. And once the primary account holder reaches the age of 18, the Youth Savings Account will be transitioned to a Standard Savings Account.  The primary account holder is then eligible to open a checking account, apply for a loan, and more.

A First South Financial youth savings account comes with:

And much more!

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*Offer valid April 1–April 30, 2026. Youth accounts available for ages 0–17 with a parent/guardian joint owner if under age 18. $25 promotional deposit at account opening (limit one per youth member). Build-It CD requires $50 minimum deposit. First South Financial will match the initial deposit up to $50. Limit one CD match per youth member. Subject to certificate terms and early withdrawal penalties.

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