Start your kids on their financial journey with our Youth Accounts.

         
Account Type Youth Savings   Share Certificates   
Minimum Opening Deposit $0   $1,000  
Minimum Balance To Earn APY1 $25   $,1000  
Monthly Service Fee None   None  
         
1 Annual Percentage Yield. Fees may reduce earnings. View current rates.

Explore Account Options

Financial know-how starts with understanding where money comes from and what it does. It's never too early to teach kids about money basics.

Our Youth Savings Account is the perfect way to start your kids on their financial journey.

  • $0 opening deposit
  • $0 monthly service fee
  • Easy to manage – keep track of balances with free mobile and online account access
  • Easy online transfers from your account to your child's account
  • Turn coins into savings with free Coinstar transactions at all Arizona Federal branch locations
  • Identity protection through ID ProtectTM

To open a Youth Savings Account, stop by one of our branch locations or schedule an appointment.

Our Share Certificates are a great longer-term savings option for your child’s financial journey that earn a higher rate of return than a basic savings account.

  • Enjoy fixed, steady growth for long-term savings
  • Open with as little as $1,000
  • Choose terms ranging from 6 months to 5 years

To open a Share Certificate, stop by one of our branch locations or if you already have an account, you can open a Certificate online or by phone.

Our UTMA (Uniform Transfer to Minors Account) is a great option for minors to receive gifts – such as money, patents, royalties, real estate and fine art – without the aid of a guardian or trustee. Consult with your tax advisor or accountant to see if a UTMA might be right for you.

  • Minor must be under 21 years of age
  • Deposits reported at the minor’s parents’ income tax rate
  • Convenient online access and online statements

To open a UTMA, stop by one of our branch locations or schedule an appointment.

Open a Youth Account Today!

Stop by a branch or schedule an appointment.

Schedule
Appointment


At this time, Youth Accounts cannot be opened online.
What you need to Open a Youth Account
  • Must have joint owner (parent/guardian/adult relative) present to open the account
  • Social Security or tax-ID number
  • School ID or government issued ID
  • Joint owner must have a Social Security or tax-ID number and a valid form of ID

To open a Share Certificate, stop by a branch or if you already have an account, you can open a Certificate online or by phone.

Free Money Talks Guides for Parents and Grandparents
booklet icon

Get tips on teaching your kids about spending, saving, and sharing money!

Get a Special Gift for New Accounts
Paw-Squad-logoPhoenix-Rising-logo
Paw Squad & Club Rising
  • FREE enrollment in our exclusive youth & teen clubs!
  • FREE gift - Arizona Humane Society plush puppy or Phoenix Rising Soccer Ball
  • Discounts for Arizona Humane Society activities and Phoenix Rising match tickets
Youth & Young Adult Accounts

Arizona Federal also offers accounts for teens (ages 13-17) and young adults (ages 18-20):