Youth & Teen Accounts

It’s our goal at First Class Community Credit Union to partner with you in educating and equipping your children with the ability to navigate their future finances. We believe it’s not enough to just put the financial services in their hands. We need to invest in educating future generations early on how to use those financial services responsibly before they’re making these decisions on their own. We offer several options to kick start your child’s financial education from preschool through high school graduation.

Youth Savings Accounts

Think of our Youth Savings Account as a modern version of a pink piggy bank and a smart way to teach saving habits at an early age. Our Youth Savings Account will teach children 12 and under that a savings account is safer than storing cash in a pink piggy bank and that they will get PAID interest just for saving.

  • Ages 12 and under
  • $25 minimum opening deposit
  • A parent must be a joint account holder

Stop by the credit union to open a Youth Savings Account today or view our current rates online.

Teen Accounts

Our teen accounts are a great transition from the youth accounts. We offer a teen savings account and teen checking account.

Teen Saving Accounts – If your child already has a youth account it will automatically transfer to a teen account at age 13.

  • Designed for ages 13 to 18.
  • $25 minimum opening deposit

Teen Checking Accounts – Teen checking accounts are perfect for those teens who are starting to work and spend money.

  • Designed for ages 13 to 18
  • No minimum opening deposit
  • Reloadable ATIRA gift cards offered for ages 13-15
  • FREE debit card (ages 16+)

Stop by the credit union and open a Teen Account today or view our current rates online.


*Some account restrictions may apply. A parent is required as a joint owner for ages 15 and under. Use of a debit card requires successful completion of a Checking Account Management Course. First Class Community Credit Union reserves the right to permanently close the debit card if the account incurs a negative balance.

Our loan department will be closed on Saturday August 24th in order for our loan officers to participate in the Des Moines Walk to End Alzheimer's. Our Go First Class team will be walking and have a booth at the event. Register to come out and walk with us or donate ( if you wish to support your credit union employees. The MSR's and a New Account Rep will be available to assist you with any transactions and new accounts during our normal business hours of 9am to Noon in the lobby and 8:30am to Noon in drive-up. If life happens and you need to get a First Class loan started over the weekend our 24/7 call center is available to assist you or apply via our website (click on the "Apply for a loan" box under this notification). Thank you for your understanding and support.