Youth Savings

The starting account for young savers. AKA The Cool Kids Club.

Youth Checking’s bigger brother (or sister).

The peanut butter to its jelly. The yin to its yang. The start to your membership.

So you’re ready to become a member and open your first account. It all starts with a Youth Savings account. Use it to store your hard earned cash and holiday money. Build up an early safety net and watch it grow. 

And it’s 100% a safer place to keep your cash than your drawer.

Youth Savings helps you start off on the right foot

Youth Savings is the perfect companion to our Youth Checking. And while you’re busy becoming a super-saver, check out Banzai!, a learning platform that will help you get smart on pretty much any money topic you can think of!



Youth Savings is open to youth 0-17 years old and are a great way to get started saving.



Minimum opening deposit of $50 (deposited by Excite and includes par value) and minimum $5 balance.



Free and unlimited use of over 30,000 ATMs for youth 13+.



Your Youth Savings account earns dividends.



Accounts come with Banzai!, a learning platform that teaches users how to be budget wizards.



Use features like Mobile Deposit with Online and Mobile Banking (eStatements required).


The personnel are [...] Very Helpful & Knowledgeable of the products and Services they offer. Very Accomodating & Courteous to the customers.

~ Josephine G.

Not sure which account is best for your needs? We can help.

Contact us and we can run through your needs and the many options we have available.

Contact Us


In addition to Youth Savings, Excite members also have access to Go Savings, our high yield savings account, as well as money market accounts and additional savings accounts.

Learn more here.

You can! You can set up the transfer online, via fax, or in person at one of our branches.

Government regulations allow only 6 electronic transfers, withdrawals, and checks from savings accounts per month.

If you go over 6, your signature will be required.

In addition to automatic transfers and making deposits via our mobile app, you can also make deposits at our cooperating ATMs.

Make your deposit on business days before 3pm, and you’ll have immediate access to the first $500 of the amount you deposited.

The minimum balance for our Youth Savings Account is just $5.

Your accounts are federally insured by the National Credit Union Administration (NCUA).

Unlike a commercial bank that offers dividends on savings as well, credit unions are nonprofits that are owned by their members.

That means that we can offer higher dividends to our members, as well as lower interest rates on loans and credit cards. That means we don’t charge as much for borrowing with us (interest), and we can pay you more for trusting us with your money (dividends,) because we don’t have to share profits with shareholders, just members.

Join our community

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.