Minor Savings Accounts

Learn good savings habits early.

Setting money aside for college? Maybe saving up for a first car? Our minor savings account is the perfect choice for young members who are just starting out.

  • Available to members under the age 18, with no monthly service charge (parent or legal guardian required as joint account owner)
  • $5 minimum opening deposit
  • Dividends paid quarterly on balances of $50 or more

Plus, it’s easy to access your account anytime, anywhere with Xceed Online Banking and the Xceed Mobile App.

Stop by your local Xceed Financial Center, or call us at 800.XFCU.222 to open your minor savings account today!

Please refer to our disclosures for details on accounts, products, and services' terms and conditions, including, but not limited to charges, fees, and waivers. Rates, terms, and conditions are subject to change at any time.

When it comes to finances, your first steps matter. That’s why we offer a special promotion for our youngest members. When you open a minor savings account for a loved one under the age of 1 and make a $50 deposit to start them on the right foot, we’ll match it!

  • $50 match from Xceed provided when the account is funded with an initial deposit of $50 or more1
  • Available to members less than one year old
  • All other Minor Savings Account terms and conditions apply

Plus, it’s easy to access your account anytime, anywhere with Xceed Online Banking and the Xceed Mobile App.

Stop by your local Xceed Financial Center, or call us at 800.XFCU.222 to open your minor savings account today!

Please refer to our disclosures for details on accounts, products, and services' terms and conditions, including, but not limited to charges, fees, and waivers. Rates, terms, and conditions are subject to change at any time. 

1To obtain the $50 Minor Savings Bonus, you must open a new Minor Savings account, make an initial deposit of $50 within the first 90 days, and keep the account open for at least 90 days. The $50 will be credited to the Minor Savings account after the 90 day waiting period. The $50 will be considered as dividends and will be reported on the IRS form 1099-INT. Offer not available to members with existing Minor Savings accounts, or who are over 1 year in age. There is a $5 minimum balance to open the account. APY = Annual Percentage Yield. 0.05% APY on balances $50 and over. The APY is effective as of 6/16/2017 and may change after the account is opened. Fees incurred could reduce earnings on the account. Program rates, terms and conditions subject to change at any time. Personal accounts only.