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COMMUNITY FIRST

Take the next step this school year. 

We'll match qualifying youth deposits up to $25.*

Open a new youth membership for the child in your life in our branches this August and we'll help them get a head start on their financial future.

<p>Open in Branch Today!</p>

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Help the kids and teen in your life build money confidence this school year.

Open a new Youth Share Savings Account (ages 0–12) or Youth SureBalance Checking Account (ages 13–17) this August and make qualifying deposits during the promotional period. Community First will match deposits up to $25.*

Youth Share Savings Account

Build healthy saving habits early and receive a My First Account Kit*** when opened in branch.

Youth SureBalance Checking Account

Help teens learn money management with a free debit card, no overdraft fees, and tools like Save My Change**.

<p>Open in Branch Today!</p>

YOUTH ACCOUNT BENEFITS

YOUR DEPOSITS MATCHED!
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A head start on saving
Open a new youth membership and make qualifying deposits during August. We'll match deposits up to $25*, helping kids and teens get closer to their savings goals faster.
Bonus!
MY FIRST ACCOUNT KIT***
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Built for young savers
Available with Youth Share Savings openings for ages 0–12, each kit*** includes a reusable savings goal tracker, ledger, plush dog or cat, and more to help make saving fun and rewarding.
YOUTH CHECKING & SAVINGS
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Growing with every step
From first savings goals to first debit cards, our youth accounts help build confidence with money. Plus, Save My Change** makes it easy to grow savings by automatically rounding up purchases and transferring the difference into savings.

READY TO GET STARTED?

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YOUTH SHARE SAVINGS

For ages 0–12 Open in branch and start building smart saving habits.

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YOUTH SUREBALANCE CHECKING

For ages 13–17 Help teens learn money management with confidence.

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Still have questions? Reach out to our New Accounts Team from Monday - Friday: 8am - 5pm.

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Schedule An Appointment

Not ready right now? No worries! Schedule an in-person appointment at a branch, or an over-the-phone appointment.

Want to learn more? Check out our resources!

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Money Management University

When teaching fiscal responsibility to children, it is important to start young. There are fun and creative ways to teach the value of a dollar to toddlers as young as 3 years old. From old fashioned piggy banks and counting practices to children’s books, here are ways you can begin to instill solid financial awareness with your child.

+ Read more
2026-08-youth-deposits-1600x500_Landing Page_banner

Opening Your Child’s First Credit Union Account 

Sometimes, the best way to learn is through experience. You can try to teach your children about money by explaining the concepts to them, but often, they won’t really understand until they save and spend. When is it time to move on to the real thing?

+ Read more
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Teen Checking Accounts 101

There’s so much to learn as a teenager. The often awkward and stressful time between childhood and adulthood is full of life lessons and preparation. One of the most important lessons a teenager must learn is about financial responsibility. 

+ Read more

Federally insured by NCUA. All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements.

*Offer valid August 1, 2026, through August 31, 2026, (“Promotional Period”). To qualify, on the date of account opening, the new member must be age 17 or younger and open a new Community First Credit Union of Florida (“Credit Union”) Youth Membership with a Youth Advantage Share Savings Account (ages 0–12) or a new Credit Union Youth Advantage Share Savings Account and Youth SureBalance Checking Account (ages 13–17) at a Credit Union branch during the promotional period. An initial deposit of $5, to be held in your Credit Union Savings account, is required for membership. The joint owner on all accounts must be 18 years of age or older. Community First will provide a dollar-for-dollar match on qualifying deposits made during the Promotional Period, up to $25. The required $5 membership Savings deposit is not a qualifying deposit for the promotion, For members ages 0–12, qualifying deposits must be made into the Share Savings Account. For members ages 13–17, qualifying deposits must be made into the Youth SureBalance Checking Account. The matching bonus will be calculated based on total amount of qualifying deposits made during the Promotional Period, up to a maximum matching bonus of $25. The matching bonus will be deposited into the qualifying account on or before September 4, 2026. For example, a member who deposits $25, in addition to the $5.00 membership deposit, during the Promotional Period will receive a $25 matching bonus; a member who deposits $10, in addition to the $5.00 membership deposit, during the Promotional Period will receive a $10 matching bonus. Qualifying deposits used to calculate the matching bonus must remain in the account through the Promotional Period. The account must remain open and be in good standing through the date the bonus is credited. Offer valid for new youth memberships only. Limit one matching bonus per youth member, regardless of the number of qualifying accounts opened. Offer may not be combined with any other promotional offers or incentives. As of 07/15/2026, balances on the Youth Advantage Share Savings $0 - $500.00 1.00% Annual Percentage Yield (APY); balances $500.01 earn 0.10% APY. Rates may change at any timewithout notice. Fees may reduce earnings on account. Offer available for a limited time and all Credit Union programs, services, rates, terms, conditions are subject to change at any time without notice.  

**Save My Change program: Some restrictions may apply. Business and specialized accounts are not eligible. Upon enrollment, we will round up your Visa® debit card purchases to the nearest dollar and transfer the difference from your checking account to a Community First savings account of your choice. Members must opt-into Save My Change to enroll and opt-out of Save My Change to end enrollment by contacting us or visiting branch. We may cancel or modify the Save My Change service at any time without prior notice.

***Only available in branches. While supplies last.