Kids receive a free piggy bank and tokens for deposits
Youth Accounts
Cool prizes. Cash rewards.
A debit card when they're ready for one. At Maui County FCU, we put a serious effort into making it fun for kids to learn the basics of money management — because the habits your child builds with their first savings account are the same ones they'll carry into their first paycheck, their first budget, and beyond.
Teens get a free debit card with Checking Account
It only takes a $5 deposit to get started
Earn up to $5 cash per quarter for good grades
Our Youth Accounts offer fun and games – and so much more
Every parent wants their child to grow up knowing money doesn't just appear — it's saved, earned, and grown. Whether your child is just learning to count coins or old enough to carry their own debit card, Maui County FCU has youth accounts built around where they actually are, with rewards for saving and for learning built in along the way.
Dividends on balances of $100.00 or more - 0.05% APY, paid monthly.
Cash rewards for good grades - $1.00 per "ME" (Meets Expectations) or "A" grade, up to $5.00 per quarter, deposited directly into the account.
$5.00 minimum opening deposit.
No monthly service fee.
Free coin-counting machines - kids and teens can bring in dimes and quarters and convert them into an actual deposit at any branch, no coin rolling required.
It's never too early to teach your children important money management skills with Maui County Federal Credit Union checking and savings accounts for kids and teens. Give them a financial head start with an account today.
To open up a Kids Club or Teen Account:
A parent or guardian must provide their child’s original Social Security card and original birth certificate. A driver's license or other unexpired state ID can be substituted for the birth certificate.
Kids Club Account (ages 0-12)
Tokens for saving - 1 token for every $10 deposited, up to 5 tokens per day.
Tokens are redeemable for prizes at any Maui County FCU branch location; the child must be present to receive and redeem tokens.
Double tokens on their birthday - up to 10 tokens, once per year.
Free Maui County FCU piggy bank at account opening.
Quarterly Hoku Iki Herald newsletter, mailed directly to the child with their quarterly statement.
Teen Account (ages 13-17)
Free contactless Visa debit card - usable for online and in-store purchases and ATM cash withdrawals with opening of a Checking Account. [link]
Zogo financial education app - teens can download Zogo, join a leaderboard exclusive to Maui County FCU teen members, and are entered into a random quarterly drawing where three teens are selected to receive $25.00 deposited into their account.
Youth Accounts FAQs
No, there are no service fees for the Kids Club or Teen account.
$5.00 to open either account and a balance of $100.00 or more is needed to earn any interest.
A parent or guardian must provide, at account opening:
The child's or teen's original Social Security card
The child's or teen's original birth certificate (not required if they have a valid, unexpired government-issued ID)
Submit the report card showing the ME or A grade within one month of the report card date
Submit an actual report card — progress reports are not eligible
The child must:
Deposit funds in person at a branch
Be physically present to receive and redeem tokens
Neither account earns cash back. The Kids Club Account has no debit card, so there are no rewards points to earn. Teen accounts with a checking account and debit card earn debit card rewards points.
Kids Club (newborn–12) includes tokens, a piggy bank, and coin-counting machines. Teen (13–17) includes a free debit card and the Zogo drawing instead. Both pay the same interest on balances over $100.00, have free coin machine access, and the same grade rewards.
At 13, they are automatically rolled over to a Teen Account.
Resources for Managing Your Money
Helpful resources, financial education, calculators, and guidance to help you save smarter and handling your finances with confidence.
Plan your budget and track your spending with confidence.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for checking & savings accounts.
Plan your budget and track your spending with confidence.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for checking & savings accounts.
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4% back on debit card transactions
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Debit card rewards
Cash-Back Checking
Turn everyday spending into cash back in your wallet
Get 4% cash back plus debit card rewards on everyday purchases.
From piggy banks to debit cards — get the right account for your kid
* Kids Club member must be present to receive and redeem tokens.