Help your young member fill an account with green
Access exclusive perks and introduce youngsters to the benefits of credit union membership early.
Benefits You’ll Love
- Exclusive accounts for members up to age 191
- Help kids earn competitive dividends to build savings
- No minimum balance requirement and no monthly service charge
- Fun perks to making saving exciting
Details
- Available to young savers 12 and younger
- Competitive dividends on entire balance — with an exclusive rate of 0.20% APY*
- No monthly service charge
- No minimum balance requirements
- Kids will enjoy special perks that make saving fun, including:
- Invitations to cool, exclusive events
- An official membership card
- And more!
- Special youth certificates also available
- Free online banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Shared branching available
- $5 minimum deposit to open
Download our brochure to learn more! See Astro Kids Events, Newsletters, and Games, here.
Federally Insured by NCUA
Checking Account
- Available for teens ages 13 to 191
- No monthly service charge
- No minimum balance requirements
- Unlimited debit card transactions
- Free online banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Shared branching available
- Free debit Mastercard®
- Surcharge-free ATMs available
- No minimum deposit to open
Download our brochure to learn more! While you’re at it, head over to our scholarship program to see how you can get help paying for college.
Want to earn rewards while you bank? Check out our Kasasa® accounts — cash rewards, absolutely free, no strings attached!
Looking to establish credit with your own credit card? Kick the tires on our ScoreCard Rewards secured credit card! Earn merchandise, online play, instant discounts and more with every purchase!
Savings Account
- Available for teens ages 13 to 191
- Competitive dividends on entire balance — with an exclusive rate of 0.20% APY2
- No monthly service charge
- No minimum balance requirements
- Four free withdrawals per month
- Free online banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Shared branching available
- $5 minimum deposit to open
- Special savings events
Club Benefits
Some cool extras:
- Special teen certificates
- Teen e-newsletter
- Financial guidance with certified financial counselors
- Scholarship program
- Special promotions and giveaways
- Mobile banking with mobile deposit - (download the app now: Apple App store® | Google Play store™)
- Student ScoreCard Rewards credit cards3
- Loans3
Contact our Member Service Center at (800) 879-9697 for more details about your Generation Next Account!
Federally Insured by NCUA
Calvin J. Peterson Memorial Scholarship
The scholarship program was established in 2008 in honor and memory of former Board President Calvin J. Peterson, a passionate advocate for educational initiatives.
The 2024-2025 scholarship application period is set to open in the fall of 2023. Thank you for your interest.
Congratulations to our previous winners! Learn more about them, here.
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*APY = Annual Percentage Yield. Bonus dividend rate paid quarterly.
1Account must be opened with a parent's signature for consent for accountholders under the age of 18.
2APY = Annual Percentage Yield. Bonus dividend rate paid quarterly.
3Parental permission may be required.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $0 | 3.20% | 3.25% |
| $10,000+ | $0 | 0.05% | 3.25% to 0.34% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply use your Kasasa Cash account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $0 | 0.50% | 0.50% |
| $25,000+ | $0 | 0.05% | 0.50% to 0.14% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Simply use your Kasasa Cash or Cash Back account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases that post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Loans
| Loan Type | Rates Starting at:* |
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 5.99% APR1 |
| Home Equity Line of Credit (variable) | 8.50% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Loans - 1
| Loan Type | Rates Starting at:* |
|---|---|
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 4.99% APR1 |
| Home Equity Line of Credit (variable) | 4.75% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Money Management Account
| Balance | APY |
| $100,000+ | 1.25% |
| $50,000.00 - $99,999.99 | 1.15% |
| $20,000.00 - $49,999.99 | 1.00% |
| $2,000.00 - $19,999.99 | 0.75% |
Money Management Account 1
| Balance | APY |
|---|---|
| $100,000+ | 1.15% |
| $50,000.00 - $99,999.99 | 1.00% |
| $20,000.00 - $49,999.99 | 0.90% |
| $2,000.00 - $19,999.99 | 0.75% |
Share Certificates
| Term | Minimum Balance | APY |
|---|---|---|
| 60 months | $500 | 3.00% |
| 48 months | $500 | 2.90% |
| 36 months | $500 | 2.80% |
| 30 months | $500 | 2.75% |
| 24 months | $500 | 2.75% |
| 18 months | $500 | 2.75% |
| 12 months - FEATURED RATE | $500 | 5.25% |
| 6 months | $500 | 3.00% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Share Certificates - 1
| Term | Minimum Balance | APY |
|---|---|---|
| 60 months | $500 | 3.00% |
| 48 months | $500 | 2.90% |
| 36 months | $500 | 2.80% |
| 30 months | $500 | 2.75% |
| 24 months | $500 | 2.75% |
| 18 months | $500 | 2.75% |
| 12 months - FEATURED RATE | $500 | 5.25% |
| 6 months | $500 | 2.50% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Youth Certificates
| Term | Minimum Balance | APY** |
| 6 months | $100 | 2.50% |
| 12 months | $100 | 5.25% |
| 24 months | $500 | 2.75% |
Youth Certificates 1
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months | $100 | 2.50% |
| 12 months | $100 | 5.25% |
| 24 months | $500 | 2.75% |
