Youth Accounts (0-12)

Community First is here to help you nurture the financial well-being of your child. Check out our youth accounts designed to develop smart money habits!


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Earn interest
Earn 1.00% APY* on the first $500 and a competitive rate on balances over that.
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Free gifts
We make saving fun for kids with our My First Account Kit featuring activity books, crayons, plush dog or cat, stickers and a pencil.
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Fewer fees
No monthly maintenance fees and no minimum balance requirements.
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Fast-track savings

Set up recurring transfers or direct deposits to grow a child's savings faster.

Student Banking Youth My First Account Box

My First Account Kits*** are available for children 12 years old and younger who open their first Youth Advantage Savings account.

It features a coloring book with smart money tips, a congratulatory certificate for opening their first account, a savings goal card and much more!

Find the best Student Banking account for your needs.

Youth Advantage Checking

Our teen accounts are designed to help your child develop smart money habits. Check out our Youth SureBalance Checking account**** and enjoy no minimum balance, no monthly maintenance fees, and Online & Mobile Banking.

Achieve for K-12

We’ve created a program to help your student learn all about smart saving, smart budgeting and more. Designed for middle school & high school students, this free program features timely storylines, diverse characters, and fun interactions to engage students around critical financial topics.


Community First’s SaveUP CDs***** are a great way to meet future financial goals, like paying for college. With competitive rates and low minimums of $250 or more to open, you can maximize your savings potential with peace of mind knowing your accounts are federally insured by NCUA.

Schedule an Appointment

moveUP Financial Wellness Program

Our moveUP Financial Wellness Program helps improve your money management skills and gives you the tools you need to reach your financial goals. We've already helped thousands of students, Community First members, and Community First business partners moveUP and empower themselves. Get started on a plan to reach your goals today.


Am I eligible for membership at Community First Credit Union?

Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia.

Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company, and Not sure if you qualify? Contact us.

*Youth Advantage Savings: An initial deposit of $5, to be held in your Community First Savings (Share) Account, is required for membership. Rates may change at any time without notice. Fees may reduce earnings on account. Balances above $500 earn current share rate.

**Youth Advantage Certificate of Deposit: Available to those under the age of 18. A withdrawal will reduce the earnings. The required minimum balance is $100 to open a Youth Advantage Certificate.

***While supplies last.

****Youth SureBalance Checking and SureBalance Checking accounts do not offer overdraft privilege.

*****6-Month SaveUP CD: Available to all college, vocational and technical school students. An early withdrawal will reduce the earnings. The required minimum balance is $250 to open a 6-Month SaveUP CD.