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First Step Savings

Plant the seeds for financial growth early.

Ages 0–6: Begin their savings journey with a strong foundation.

Why Choose First Step Savings?

Plant the seeds for financial growth early with our First Step Savings Account, specially designed for children from 0 to age 6. At Park City Credit Union, we’re here to help young savers take their first steps toward a strong financial future.

Choices within this program: 

  • Perfect for Young Savers: A great way to introduce children to the basics of saving money.
  • 2.00% APY* on Balances Up to $500¹: Encourage savings with a competitive rate that helps their money grow faster.
  • Parent-Friendly Tools: Manage the account easily while guiding your child through their first financial milestones.

My First Certificate

  • Start Small, Dream Big: Requires only a $500 minimum deposit to open.
  • 12-Month Term2: A fixed term designed to encourage long-term savings habits.
  • Add-On³ Deposit Option: Make additional deposits during the term, making it easy to grow savings over time.
  • Teaches Long-Term Goals: Introduce your child to the importance of planning for future financial needs with this flexible, growth-oriented savings tool.

Additional Features for Children and Parents

  • Custodial Membership4: Only the custodian may transact on the accent to ensure proper management.
  • Access to Banzai Youth Financial Wellness Center: Educational resources to help children learn essential financial skills.

Fun and Powerful eServices!

Empower your child’s financial journey with these exciting digital tools:

  • See-Jump5: Enables parents to seamlessly jump into their child’s online banking to see activity, make transactions and gives access to debit card controls.
  • eAlerts5: Get notifications for balances, transactions, and more.
  • Cross Account Transfers5: Easily transfer money for allowances, chores, or rewards.
Account Screens

Ready to Get Started?

Open a First Step Savings account today and give your child a head start on building healthy financial habits that will last a lifetime.

Schedule an Appointment Today!

Our team is here to help you open an account and answer any questions.

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*APY=Annual Percentage Yield. APYs accurate as of 10/14/2024. Rates may change after account is opened. The minimum to open account online is $5.

¹For Youth Savings: (1) balances up to $500 receive APY of 2.00%; and (2) balances over $500 earn 0.01% dividend rate on the portion of the balance over $500, resulting in 0.81%-6.00% APY depending on the balance. Primary owner must be 17 years old or younger to open an account. Limit one account per primary Owner’s SSN.

²The minimum to open account is $500. A penalty may be imposed for early withdrawal. Primary owner must be 17 years old or younger to open an account and under 21 to renew.

³Minimum Add-on Deposit is $20.00.

⁴Custodial account refers to the Uniform Transfers to Minors Act (UTMA). 

⁵Wireless carrier data rates/fees may apply. 

Credit terms & conditions, and other restrictions may apply.

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