April is Youth Month.

Open A Youth or Teen Account

Youth & teen solutions

Meet your family’s local financial partner for life.

Firefly is dedicated to guiding our members forward at any life stage. As the state’s first credit union, Minnesota culture is a part of who we are. Whether you’ve lived here for a season or your whole life, it we’re sure it’s made an impact on you too. Our Youth & Teen program, Locally Grown, helps our youngest members establish smart financial habits while staying true to our roots.

April is National Credit Union Youth Month.

Join us throughout April for account opening bonuses, giveaways, and an educational event for young savers.
Visit the "Offers & Events" section below for more details.

 Become a member  Open a new account



Ages 0-12 Age 13+ Legal Owner (Age 18+) Required
Share Savings      
Christmas Savings      
Money Market      
Preferred Savings      
Relationship Rewards      
WINcentive® Savings      
Youth and teen members are welcome to open any of the above Firefly savings options. 

Available exclusively to credit union members, WINcentive® Savings (offered through the Minnesota Credit Union network) celebrates saving by offering monthly, quarterly, and annual prize drawing entries for every $25 you save (up to 4 entries per month)*. For this reason, we'll need a legal owner of the account (age 18+) to be a co-applicant on any WINcentive account with a minor.

*Account holders may win more than one prize category (monthly, quarterly, or annual) within the same year.



Ages 0-12 Age 13+ Legal Owner (Age 18+) Required
First-Step Checking       
Members age 13-17 are eligible to open a First-Step Checking account with a parent as a legal owner on the account as part of our First-Step package - made to help teens as they begin to navigate the world of personal finance. It includes:
  • Share Savings account (required for membership)
  • First-Step Checking account (for higher dividends, ask about our Amplified CheckingSM account option)
  • Free first pad of 50 checks
  • ATM Card or Firefly Visa® Rewards Debit Card
  • $200 ReadyCash credit limit upon approval (ages 13-17*)
  • $200 Visa Platinum Rewards Credit Card limit upon approval (ages 13-17*)

*Based on account legal owner.



Age 16+ With A Co-Signer
Platinum Rewards Credit Card  
Auto Loan  
Our First-Step Package includes a $200 Visa Platinum Rewards Credit Card limit, upon approval (ages 13-17*). 

*Based on account legal owner/co-signer (age 18+).



For Families
Student Loans  
Please contact us or ask in-branch about additional education financing options.

Products & Services Available to our Youth & Teen Members 

  Ages 0-12 Ages 13-15 Ages 16+
ATM Card or Visa® Rewards Debit Card      
Digital Banking      
Direct Deposit      
Mobile Deposit1      
Money Management (within Digital Banking)      
ScoreCard Rewards2      
SecurLOCKTM Equip Card Control App2      
Shared Branch Access      
Text Banking      

When paired with Firefly's free digital services, your child's account gives parents the tools they need to help their child or teen learn to manage money with their guidance:
  • Get text alerts when account balances drop below an amount that you specify
  • Keep track of transactions with our Digital Banking app
  • Download the SecurLOCK Equip app from your favorite app store for card control on your Visa Rewards Debit or Credit Card:
    • Set parameters on card use including location, merchant type, or transaction types
    • Set spend limits per transaction
1 $200 daily limit and $500 monthly limit for ages 12-14. $500 daily limit and $1,500 monthly limit for ages 15-17. Must have digital banking app. 
2 Must have a Firefly Visa Rewards Credit or Debit Card to use ScoreCard Rewards and/or SecurLOCK Equip.

Firefly's Blog: 

Read along as we shed light on a variety of topics, so you're set up for financial success: Find more on the Firefly blog.
Firefly Credit Union celebrates National Credit Union Youth Month each April. Join us for  account opening bonuses (for members age 0-17), giveaways, and an educational event for young savers:
  • $10 account opening bonus with a new Share Savings account1,3
  • $25 with a new First-Step Checking (ages 13-17) account. Plus, earn an additional $25 if Direct Deposit is set up within 60 days on your new First-Step Checking account.​2,3
 Become a member  Open a new account

1 Share Savings account requires a $5 minimum opening deposit and a $5 minimum balance. This account earns an Annual Percentage Yield of 0.10%, which is the declared rate for December 2018 and is subject to change quarterly. 2 First-Step Checking account is available exclusively to teens (ages 13-17) and earns an Annual Percentage Yield of 0.05%, which is the prospective rate for March 2019. Rate is subject to change. Fees may reduce earnings. 3 Bonuses mentioned above are valid only on new accounts to members ages 0-17. All accounts and corresponding bonuses subject to qualifications. Please allow 2 weeks from account opening for initial bonus(es) to be deposited. Plus, allow 2 weeks from the first Direct Deposit posting date, if set up within 60 days of new account opening, for additional $25 bonus to be made. Offers are subject to change. All offers expire April 30, 2019. Federally Insured by NCUA.

Creating SMART Money Goals for Youth & Teens
Tuesday, April 16, 2019 from 6 p.m. to 7 p.m.
Firefly Credit Union - Corporate Office
1400 Riverwood Drive,
Burnsville, MN 55337
Accounts for All Ages

Accounts for All Ages

From first dollars saved to
first dollars earned, we have
the accounts to fit growing
financial needs
Parent-Approved Features

Parent-Approved Features

Teach your teen to use our money management tools and card control app as they learn to manage their money with your guidance
Scholarship Opportunities

Scholarship Opportunities

Firefly membership connects
students to more than $16,000
in academic scholarship
opportunities each school year
Youth Month

Youth Month

Join us each April for National
Credit Union Youth Month
for account opening bonuses
for members age 17 & under

Find youth & teen solutions from a Minnesota credit union.

It's time for your youth or teen to learn more about personal finances. We offer various savings, checking, and loan accounts to cater to the various ages and financial steps as they grow.