Membership is locally grown.

Open A Youth Account

Youth & teen solutions

Meet your family’s local financial partner for life.

Whether you’ve lived in the Twin Cities for a season or your whole life, Minnesota culture is part of who you are. As Minnesota’s first credit union, we’re locally grown, too. Firefly is dedicated to guiding our members forward at any life stage, just as we have for more than 90 years, and we are pleased to introduce a program dedicated to youth financial education.

Join us as we launch Locally Grown!

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

Set up text alerts and card
control to help your child
learn how to manage money
with your guidance
Scholarship Opportunities

Scholarship Opportunities

Firefly membership connects
students to more than $20,000
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

Locally Grown Logo

April is National Credit Union Youth Month

Help us celebrate with account opening bonuses, giveaways, and a youth business workshop.

RSVP for our 'Starting Your First Business' event



Ages 0-12 Age 13+ Parent/Guardian Legal Owner
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 parent or guardian over 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+ Parent/Guardian Legal Owner
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 AmplifiedSM Checking 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 parent or legal guardian.



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 parent or legal guardian.



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

Products & Services Available to 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 by MX      
ScoreCard Rewards2      
SecurLOCKTM Equip Card Control App 2      
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 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.

Digital Learning via EverFi: 

Our free, interactive learning modules are made to help you better understand financial concepts:
  • Those age 17 & under will receive $10 when opening a Share Savings account 1,3
  • Those age 13-17 who open a First-Step Checking account will receive $25. Plus, receive an additional $25 by setting up Direct Deposit within 60 days of account opening 2,3

Share Savings Account required for membership. 1 Share Savings account requires a $5 minimum deposit to open and a minimum balance of $5. This account earns an Annual Percentage Yield of 0.10%, which is the declared rate for March 2018 and is subject to change quarterly. 2 First-Step Checking package is available exclusively to teens (ages 13-17) and earns an Annual Percentage Yield of 0.05%, which is the prospective rate for March 2018. This rate is subject to change without notice. With this account, you also get the perk of no credit union fees for up to five ATM withdrawals/month on any network. Fees may reduce earnings. 3 Bonuses mentioned above are valid only on new accounts. 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, 2018. Federally Insured by NCUA.

At Firefly, we're dedicated to providing learning opportunities on financial topics to all ages. For our first 'Locally Grown' event, join us for a seminar on Starting Your First Business - just in time for summer vacation. We'll cover business plans, different types of business structures, and walk you through the steps you'll need to take to start your very first business.

Event recommended for ages 13-17. Parents welcome to attend. Dinner will be provided to attendees.
Starting Your First Business
Tuesday, April 24 from 6-7 p.m.
Firefly's Training Center
2740 East 82nd Street
Bloomington, MN

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.