Start early and save big.

  • We pay $3 for A’s, $2 for B’s, $1 for C’s
  • $10 new youth account referral bonus
  • $5 minimum account balance
  • Earn monthly dividends on balances $50+
  • Online & Mobile Banking convenience
Open a Youth Savings Account

Youth Accounts

Rates up to date as of June 3, 2024. Rates subject to change without notice.

Minimum BalanceDividend RateAPY 1
$50 - $9990.150%0.150%
$1,000 - $49,9990.150%0.150%
$50,000 and Greater0.150%0.150%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.
  3. Each member is only allowed one primary share account. Minimum required account balance may be different than the minimum rate balance listed above.

Youth Grade Rewards


  • $3 for A’s, $2 for B’s, $1 for C’s
  • Math, Science, English, History/Social Studies
  • Max is $12 per quarter and $48 per year
  • Submit grades online or in-branch
Request Grade Rewards

Financial Literacy Resources for Youth


Interest in a Checking Account?


  • Easily manage & track expenses using our convenient mobile app
  • Quickly transfer funds between accounts for chores or to pay you back
  • Go cashless and earn points with our VISA Rewards Debit Card
  • VISA Instant Issue debit cards in-branch with lots of card designs
  • Earn monthly dividends on balances $50+
Open a Checking Account

Want a Higher Yield Savings Rate?

  • Consider our safe, unique, and flexible Dedicated Saver Certificates
  • Teach kids & teens the power of patience (and compound interest)
  • 6 to 60 month fixed terms & higher fixed rates
  • $5 minimum balance to earn monthly dividends (normally $500)
  • Ability to add money to certificate balance every month (only allowed on this account)
  • Requires setting up a minimum of $5 monthly auto-deposit from savings account
Open a Dedicated Saver Certificate

Find a Branch / ATM

We’re here to serve you. Find a First Californian branch near you.

Find a Branch / ATM

© 2024 First Californian. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

American United Federal Credit Union BBB Business Review