KIDS 1ST CLUB
Kids 1st Club is our youth savings account for kids aged 12 and under. Your child will learn and grow by depositing money into a secure savings account through your local Members 1st branch and online through our digital banking experience. To make saving fun, we give kids a free piggy bank for opening an account. But the fun doesn’t stop there, each time they make a deposit of $5 or more at a local branch, they get to pick a toy from our treasure chest. It only takes $5 to get started, so open a Kids 1st Club account for your child today!
Get Started
IMEMBER CLUB
Our iMember Club account is a savings option for older kids between the ages of 13 and 19. With a $5 minimum deposit, your child can open a safe checking account where they can watch their money grow. Kids with an iMember Club account can qualify for a checking account, Visa debit card and more. Open an iMember Club account today!
Get StartedBENEFITS OF OUR SAVINGS ACCOUNT
At Members 1st, we are on a mission to empower our youth members to understand their finances and master saving smarter. Teaching your child to save today will set them up for financial success in the future. When you're a part of our FaM1ly, you can take advantage of a simple, transparent first banking experience for your children. Open a youth club savings account to:
- Teach financial responsibility: Opening a youth club account is an opportunity to form good financial habits. Your child can practice saving and spending with care.
- Build financial literacy: Monitoring and managing a savings account will build your child's financial understanding and help them learn how to make their money grow.
- Plant the seeds for success: Even the smallest acorns can become great oaks. By saving from a young age, your child can reach adulthood with a solid financial base. Our accounts start with a deposit of just $5.
- Get great rates: Our youth saving's account rates are competitive and will help your children see their money grow.
- Receive caring support: Receive financial education at your local branch or through our MyConcierge™ service.
- Help oversee your child’s saving and spending habits: View and manage your child’s account using our digital banking features.
- Save safely and securely: Protect your child’s savings inside an account federally insured by the National Credit Union Administration.
Common Questions
Open your account online or at a Members 1st branch near you. You must be a member to open an account, so apply today!
A Kids 1st Club account can roll into an iMember Club account. Subsequently, an iMember Club account can become a standard savings account.
Your child can withdraw or deposit funds at any time with your permission.
Of course! You can see your child's balance by using our digital banking tools or stopping at a nearby branch.
Double Your Dough Bonus Official Rules
Prospective members must meet current eligibility requirements. Current members and joint owners do not qualify as prospective members.
*To receive the initial deposit match up to $20 (“bonus”), you must open a Youth Club account between 12/02/2025 and 12/31/2025. New members are required to open a Regular Savings account to establish membership. $5 is required to open the account and must remain in the account until closure. Account must remain open and in good standing for 30 days to receive the bonus. After meeting these requirements, the bonus will be deposited into the account as ‘dividends’ within 60 days after the account is opened. The Annual Percentage Yield (APY) is currently 0.10% and valid as of 11/28/2025. There is a $5 minimum balance to earn the APY. Rates are variable and subject to change at any time. Fees could reduce earnings on the account. Bonus will be reported to the IRS for income tax purposes. M1st will issue you a 1099 or other appropriate tax form.