Youth

Youth Savings Accounts

It's never too early to start teaching money management skills to your kids. Help them manage their money and supervise their progress as they grow!

At Advantage FCU we make it a priority to help educate children to establish saving habits that will carry with them throughout their lives.

Main features:

•Joint membership with parent/guardian
•Eligible for online banking to guide your child to watch their savings grow
•Good Grades Pay
•Withdrawals by primary account holder only

Youth Savings Account Requirements:

•Must be 15 years or younger and must be accompanied by an adult parent/guardian.
•Social Security Number with Non-Driver ID Card or Passport

Youth Savings Account Rates

Balance	Dividends Paid	Rate	APY
Up to $10,000	Quarterly	3.00%	3.03%
$10,001 and up	Quarterly	0.50%	0.50%

A message from our President/CEO regarding financial literacy and Advantage FCU

"Advantage FCU has been serving the educational community in the Greater Rochester area since 1931. We strongly believe that we should help our community learn more about finance, budgeting and overall financial health. Supporting the use of the Zogo financial literacy software in area schools is just one way we are helping students learn valuable life skills which will help them become better, more productive adults." – President/CEO Jeff Bocach

Good Grades Pay!

Advantage FCU is passionate about recognizing the hard work and dedication our students put into their education. Good Grades Pay! is our special way of celebrating academic excellence among our student members.

Good Grades Pay! is available to ALL students with a Youth Savings or Student Checking account, regardless of age. If you can provide proof of enrollment, you're eligible for the $20 reward when your grades hit the mark! Rewards are only awarded during the months of May, June, and July.

Qualifying Grades & Rewards

College, High School, and Middle School Students:

Grades of A (90%-100%) and B (80%-89%), or

GPA of 3.0 or higher

Grade School Students:

Grades of 7, 8, or 9 (Out of a grading scale of 1 thru 9)

Elementary School Students:

Grades of A (90%-100%) and B (80%-89%)

How much can a Youth Savings Account add up to?

$25 deposit on 1st birthday, then $25 per month until 16th birthday @ 3% = $5,674 saved!

Student Checking – Age 13+

• Earn up to $120 CASH each year just by using your debit card!**
• Grow your savings 3%APY*** with Round-Up Savings.
• Get paid up to two days early.**
• $26,000 in scholarships awarded to high school seniors and college students each year
• and more!

The primary member must be enrolled in high school or college to qualify. Proof of enrollment must be presented, which can be a class schedule or a current student ID card.

Open a Student Checking Account today!

LEARN MORE

Credit Builder* Products

Good credit begins with the basics!

Let us help you with step-by-step tools and exciting new products.

We are here to help you build a solid foundation toward financial wellness!

1st Credit Card

Start building your credit with a low-rate Visa. Earn Rewards on everyday purchases with no cap on maximum rewards earned.*

1st Auto Loan

You'll always remember your first car! Let Advantage FCU put you in the driver's seat with our 1st Auto Program. We want you on the road to financial success.*

LEARN MORE

It pays to learn about finance – literally!

Zogo is a gamified financial literacy app that rewards users for completing bite-sized financial literacy lessons on intelligently saving, spending, and managing their money. The app includes over 800 modules in 54 different topics, from opening a bank account to saving for retirement – and everything in between.

By completing modules, taking interactive five-question quizzes, and participating in daily trivia games, users earn virtual "pineapples" and work toward real-life rewards – like a $5 gift card to one of their favorite stores!

Zogo's mission is to make learning fun and provide financial knowledge to all!

Get paid to learn now!

*Credit Builder Products are not guaranteed to build credit and/or increase your credit score. **Membership subject to eligibility. Must be enrolled in high school or college. Proof of enrollment must be presented, which can be a class schedule or a current student ID card. No minimum balance required. Must meet monthly qualifications for rewards. Account transactions may take one or more days to post. E-statements required. ***Optional, Debit card purchases are rounded up to the next whole dollar amount and the amount in excess of the purchase amount is transferred from your checking account to your Round-Up Savings account. Rates subject to change. See website for details. Federally insured by NCUA.

A woman using her credit card to shop online

Discover a Better Way to Bank

with Advantage Federal Credit Union

Whether you're opening your first account or looking for a better way to manage your money, Advantage Federal Credit Union is here to help. Join today and experience the personalized service, community connection, and financial support you deserve.

Join Today

Phone: 585-454-5900

Today’s Rates

Auto Loan

AS LOW AS 4.99%
Visa Classic

13.95%
Round-Up Savings

3.00%

All Rates

Routing Transit Number/ABA Number:

222382292
SWIFT Code:

AFCUUS33
NMLS Number:

619501

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Federally Insured by the NCUA.

Advantage Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 585.454.5900 Ext. 5 . All products and services available on this website are available at all branches.