Toddler in giraffe costume feeding lettuce to a giraffe at the Abilene Zoo.
Youth Savings

Teach Savings Habits Early

Savings Accounts Designed for Kids and Teens


The youth savings accounts described below can be established with an opening deposit of $5 or more. There is never a monthly fee or minimum deposit requirement for these accounts. Dividends are payed at current ATFCU savings rates.

  • girl feeding giraffe

    Savings Safari

    Have fun saving

    • For children from birth to age 12
    • At age 5, your child will complete a signature card and receive a gift bag
    • Members 5 and older will receive a Safari Buck for each $5 saved when the child is present at the time of deposit.  Bucks can be redeemed for prizes in our lobby locations and/or for passes to Prime Time or the Abilene Zoo.
    • Savings Safari accounts transition to youth accounts on your child’s 13th birthday.
  • barista making coffee

    Skills for Life Teen Account

    Earn & spend with oversight

    • Gradually enables your child to assume financial responsibility.
    • Teens can open a checking account at age 15. (A cosigner is needed until age 18.)
    • With a co-signer, teens aged 16+ can apply for loans and/or low limit credit cards.
    • This account guarantees eligibility for ATFCU’s scholarship program.
  • children visiting grandparents

    Texas Uniform Gift to Minor - TUTMA

    Make a gift to a child or grandchild

    • Specialized savings account set up for a minor by a member older than 21 who serves as the account custodian.
    • The custodian retains full control of the account until the minor turns 21.
    • A TUTMA account can be converted to a Savings Safari or Skills for Life account by the custodian.

Compare Youth Account Options


Youth accounts can be opened in our lobby locations. Please remember to bring your own Social Security card and your child’s Social Security card. If your child is 5 years old or older, he/she will also need to be present to sign their signature card.

  • Child's Age at Account Opening

    Child's Age at Account Opening

  • Parent or grandparent is a cosigner on the account

    Parent or grandparent is a cosigner on the account

  • Child earns Safari Bucks that are exchanged for small prizes

    Child earns Safari Bucks that are exchanged for small prizes

  • Child needs cosigner present to make deposits or withdrawals

    Child needs cosigner present to make deposits or withdrawals

  • Debit Card Available

    Debit Card Available

  • Child is eligible to apply for ATFCU scholarships

    Child is eligible to apply for ATFCU scholarships

Savings Safari Account

  • Child's Age at Account Opening

    Birth - 12 years.  When the child is 5, a signature card will be completed.

  • Parent or grandparent is a cosigner on the account

    Yes

  • Child earns Safari Bucks that are exchanged for small prizes

    Yes

  • Child needs cosigner present to make deposits or withdrawals

    Yes

  • Debit Card Available

    No

  • Child is eligible to apply for ATFCU scholarships

    No

Skills 4 Life Teen Account

  • Child's Age at Account Opening

    13-18 Years

  • Parent or grandparent is a cosigner on the account

    Yes

  • Child earns Safari Bucks that are exchanged for small prizes

    No

  • Child needs cosigner present to make deposits or withdrawals

    No

  • Debit Card Available

    Yes - at age 15 with a valid state-issued ID

  • Child is eligible to apply for ATFCU scholarships

    Yes

TUTMA Account

  • Child's Age at Account Opening

    Birth through age 20

  • Parent or grandparent is a cosigner on the account

    Yes

  • Child earns Safari Bucks that are exchanged for small prizes

    No

  • Child needs cosigner present to make deposits or withdrawals

    Yes

  • Debit Card Available

    No

  • Child is eligible to apply for ATFCU scholarships

    Yes

Current Savings Account Rates

Frequently asked questions

Yes. Please bring his/her social security card with you for account opening.

Yes. The minimum deposit amount is $5. That amount will remain in the savings in order to maintain credit union membership.

At least a day old! Seriously, a good time would be when the child has been issued a Social Security number.

From Our Blog

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Teaching Children About Money

Part of bringing up children today is giving them all the tools they need to survive and do well in the world and environment in which they live. That means helping them understand the value of and the concepts of earning, using, saving and investing money. Continue reading

Open An Account for Your Child Today

Youth accounts can be opened at any ATFCU lobby location. Let’s get your child started on a healthy financial path.

Visit In Person

Disclosures

Dividends accrue daily and are paid quarterly
Dividend rate is based upon account balance. Please see our Rates page for details.

In compliance with the 2001 Patriot Act we will verify your identity when opening an account. Please remember to bring your Social Security card along with your driver’s license, United States passport or state ID card.