Banking for Kids

Start Young – Start Smart.

How many times have you wished you started saving earlier? Well, your kids certainly can do what you wished you would have done. We offer our future leaders a great way to get their personal savings ball rolling and keep it moving with our youth account. Our youth accounts can be opened as soon as a child receives his or her social security number. Youth accounts allow parents to be joint owners of the account until their child turns the age of 21. Plus when you open a youth account you will receive:

  • 3.00% APY* on the first $1,000
  • $25 minimum deposit balance
  • FREE ATM card
  • Up to 10 FREE ATM transactions a month
  • Save for a goal with our Don’t Touch AccountBike, laptop, phone
  • Receive $10 Gift Card** every year on your account opening anniversary
  • Receive $3 for every final end of year “A” grade*** (Grade 9 through 12)
  • FREE Online and Mobile Banking, Bill Pay, eStatements, and 24 hour Telephone Banking – Learn more
  • Direct Deposit
  • Unlimited FREE ATM transactions at any GAFCU, Allpoint and CO-OP ATMs

“The Edge” Checking Account

  • For members from 15 to 21 years old****
  • FREE VISA® Debit Card
  • $5 minimum opening balance
  • No monthly service charges
  • 50 FREE Checks provided upon request.
  • FREE Online and Mobile Banking, eStatements, and 24 hour Telephone Banking – Learn more
  • Direct Deposit
  • Unlimited FREE ATM transactions at any GAFCU, Allpoint and CO-OP ATMs

Plus you can also take advantage of our First Time Auto Buyer Program and Student Loan Program when you are ready to buy your first car or ready to pursue higher education.

Download Program Flyer

To open an account please complete the application and fax it to (201) 599-5505 mail or drop it off at any of our branch locations.  For more information please call 888-554-2328 x280.


*Annual Percentage Yield effective 01/1/17 and is subject to change without notice. Additional verification may be requested for account opening.  Fees or other conditions could reduce earnings. Certain restrictions may apply.  3.00% APY is earned on balances up to $1,000, balance higher than $1,000 earn 0.10% APY. **A $10 gift voucher will be mailed to you, please bring the voucher to the branch to redeem your $10 gift card.  ***You will need to bring in the final end of year report card to a nearest branch and we will deposit $3 into your Savings account based on the number of A grades you have received. ****A parent or legal guardian is required to open a checking account if the member is under the age of 18.  After the member turns18 they can have Overdraft privilege on their checking account but they will be required to open a separate checking account that offers that privilege. A joint owner is not required for a checking account from the age of 18 -21. At the age of 21 Youth Savings accounts are automatically converted to a regular share savings account which has a minimum balance requirement of $100 and checking accounts are automatically converted to an Easy Checking account unless requested otherwise.  Membership conditions may apply.