First Missouri Credit Union Youth Accounts
YOUTH ACCOUNT
At First Missouri Credit Union, kids are members too! Parents, grandparents, aunts and uncles: If you're a member, the children in your life are eligible for FMCU membership as well. Get the young ones in your life on the road to financial success with a financial institution you trust!
To open an account for kids and teens up to age 16, all you need to get started is:
- $5 deposit to start membership ($100 balance required to earn interest)
- Their Social Security number
- A parent or guardian with identification as joint owner
- A parent- or guardian-approved email address
First Missouri's simple youth account solutions include the same personal attention and convenient products you have come to appreciate. We foster education, help develop financial independence and give our young members a smart financial start and partnership that will benefit them for a lifetime. Be like Brandon, and enjoy membership at any age!
Youth Member Money Market Account
In April 2025, Phineas introduced a special account for our members ages 16 and younger. Accountholders will earn 9.27% APY* on balances of $100-$1,000! Balances greater than $1,000 will earn 0.25% APY.*
It's so easy to get started, all you need is:
- $5 deposit to start membership ($100 balance required to earn interest)
- $25 to open (deposit or transfer) and to earn more interest than regular savings on $100-$1,000 balances
- A parent or guardian with identification as joint owner
- A parent- or guardian-approved email address
*APY=Annual Percentage Yield. Rate is accurate as of 4/23/25. Rates and terms are subject to change without notice. Other qualifications may be required in order to receive the disclosed APY. Contact FMCU for complete details.
Super Savers Squad
Join MO the Money Man and his friend on their financial adventures!
MO the Money Man uses his financial strength and knowledge to save young members from the pitfalls of money dangers. He'll keep you in the know as opportunities continue to grow. Since we'll have a parent-approved email address listed on your account, you'll be the first to know what is happening at FMCU!
MO the Money Man, introduced May 2024
Phineas the Phiduciary, introduced January 2025
Phineas the Phiduciary is an older and wiser squad member. He uses his trust and years of experience to help young members and their parents take advantage of opportunities they may not know about.
Visa® Debit Card
Phineas wants parents and kids alike to know that young members who are 12 years or older could be eligible for an FMCU debit card! Carrying an FMCU debit card is safer than carrying cash and puts parents in control of spending limits.
Report Card Bonus
Phineas encourages student members ages 16 and younger to watch our website, their emails and FMCU's Facebook page in January and June for the time to submit semester report cards with an A or B average for $$$.
