Youth Accounts - APG Federal Credit Union

Give your kids a head start on their financial journey!

Now is the perfect time to open a new youth membership savings account and receive a $50 account-opening bonus.¹

¹Annual Percentage Yield (APY) for share savings account is 0.20% APY. The APY is accurate as of the last dividend declaration date. Rate may change after account opening. Fees may reduce earnings. $5 minimum to open and maintain a savings account, and to earn the bonus. Bonus of $50, paid within five business days of account opening, will be deposited into the savings account. Bonus must stay in the account for 90 days. Offer applies to new memberships for ages 0 through 17 only. Maryland Uniform Transfers to Minors Act (MUTMA) and custodial accounts are not eligible for the bonus. New youth membership savings accounts must be opened via online secure form or in an APGFCU branch. We may report to the IRS the value of any cash received and any applicable taxes are the responsibility of the recipient. Membership eligibility applies. Other restrictions may apply. This offer is subject to change at any time at the credit union’s discretion and may not be combined with any other share savings offers.

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Super Smart Money Habits Start With You… and APGFCU

M 3 money club Teaching children smart money habits is a priority for us and always has been.

Many of today’s parents might remember growing up with Moola, the purple money-saving mascot, and the Moola Savings Account. Moola was a great tool used for many years to help teach smart money habits. Moola, just like our Moola generation members, has grown up, is remembered fondly, and his legacy lives on.

M3 Money Club

Cash and Violet, leaders of the M3 Money Club, have swooped in to engage this generation and help parents teach their children the importance of money with our new M3 Money Club Youth Program.

M3 stands for "All the Money in the World." Cash, Violet and your child are the M3s protecting the world from the Evil Dr. Spendit, who tries to thwart our youth’s efforts in saving for the future.

When your child joins the M3 Money Club and becomes an APGFCU Super Saver, they’ll receive the tools they need to learn the basics of saving and spending.

Designed for kids ages 4 to 12
Membership is free
M3 website access providing full interactive learning experiences
A dividend-bearing savings account
Parents can easily transfer funds into a child’s account through online or mobile banking

Learn more about M3

STARSS: Student, Teens, and Young Adults Reaching Success through Savings

For members aged 13 through 21
Benefits progress as members grow

Ages 13+

No minimum balance requirement or monthly service fee
Low $100 minimum deposit for savings certificates
Five free ATM withdrawals per month*
24/7 account access with ABBY Telephone Teller, Online Banking and Mobile Banking
Mobile Deposit**

Ages 16-17

Free checking with Visa^® Debit Card
Scholarship opportunities for graduating high school seniors

Ages 18-21

Access to auto loans and educational loans
Additional scholarship opportunities

Be sure to have the child’s Social Security number and birth date available when you apply.

Open Youth Membership Account

*We will not charge our foreign ATM fee for the first five foreign ATM transactions.
**Message and data rates may apply. Contact your mobile carrier for details.

Delayed Opening 01/27/26

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Youth Membership Savings Account