Get More Than a Savings Account
Give Your Kids a Smart Start – Earn 5.12% APY1
Genisys Credit Union Youth Savings Accounts are structured to encourage and reward saving. Earn an amazing rate of 5.12% APY on balances up to $500. This High Yield Youth Savings Account is available for kids from birth to 18 years old.
Bundle with our High Yield Checking Account
Genius High Yield Checking Account - Earns 6.75%APY2
As early as age 12, you can also co-sign for them to open a Genius High-Yield Checking account and begin learning the responsibilities of saving and spending. This checking account earns 6.75% APY2, with a potential earning of nearly $500 a year. Plus, this account can be easily managed with our mobile apps.
Teach them to start saving early! Open a new youth membership with a High-Yield Youth Savings account or a Genius High Yield Checking account for the chance to win $500!* Offer Ends April 30th
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High Yield Youth Savings
Effective Date: Thursday, March 5th, 2026
| Dividend Rate | APY* | Dividend Credited |
| 5.00% |
5.12% |
Monthly |
Download an Application Savings Growth Calculator Annual Percentage Yield designated as APY and subject to change at any time. No minimum balance. Balances above $500.00 are paid the standard share savings rate. |
Genius High Yield Checking
Effective Date: Thursday, March 5th, 2026
| Dividend Rate | APY* | Minimum Balance |
| 6.55% |
6.75% |
$0 |
Open an Account Annual Percentage Yield designated as APY. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn stated APY. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. Balances above $7,500 earn .05% APY. See Genius Checking page for details. |
Open the Account that Grows with Them!
Genisys Youth Accounts teach parents and kids about money starting from day one. Help your kids grow their money with our APY High-Yield Youth Savings Account and Genius High-Yield Checking when the first job begins.
AGES 0-6 YEARS OLD
Moola Moola Club
This is a fun way to learn about money and the importance of saving.
Moola Moola Account Benefits:
- Account Opening Gift
- eAllowance - Have your allowance directly deposited into your account
- Parents have easy access through online banking and quarterly estatements
- Access to our Financial Toolbox packed with resources for all ages
AGES 7-12 YEARS OLD
Wealth Warriors Club
This is a fun way to learn about managing money and how to make it grow.
Wealth Warriors Account Benefits:
- Account Opening Gift
- Newsletter - Offering real life financial information, tips and advice
- eAllowance - Have your allowance directly deposited into your account
- Parents have easy access through online banking and quarterly estatements
- Access to our Financial Toolbox packed with resources for all ages
AGES 13-18 YEARS OLD
Money Fit Club
This is a helpful tool to guide you in the right direction financially by providing answers to your questions and assisting you in managing your money.
Money Fit Account Benefits:
- Account Opening Gift
- eBooks & Videos - Fun, educational videos to help understand finances.
- Newsletter - Offering real life financial information, tips and advice
- eAllowance - Have your allowance directly deposited into your account
- Easy access through online banking and quarterly e-statements
- Access to our Financial Toolbox packed with resources for all ages
1. Annual Percentage Yield designated as APY. and subject to change at any time. High-Yield Youth Savings account is only for members from ages 0-18. Balances above $500.00 are paid the standard share savings rate.
2. Annual Percentage Yield designated as APY and subject to change at anytime. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn 6.75%APY. Balances over $7,500 will earn .05%APY. The earned per year amount shown is calculated by a full year at the account balance amount selected in the slider. Your results may vary as your daily account balance fluctuates. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle.
*Contest runs from March 1, 2026-April 30, 2026. New memberships opened with a High-Yield Youth Savings or Genius High-Yield Checking will be entered in our random drawing to win $500. The winner will be selected the week of May 4, 2026, contacted by Genisys Credit Union, and funds deposited into the primary savings account.
This page is in compliance with the Children's Online Privacy Protection Act (COPPA) and does not collect or retain information from any visitor to the page including children under the age of 13. For more information on The Children's Online Privacy Protection Act please read Frequently Asked Questions about the Children's Online Privacy Protection Rule.
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