for opening a 

Nintendo Switch^TM 2

2 winners

Family membership to your local museum¹

1 winner per region (Rochester, NY, Buffalo, NY, and Syracuse, NY)

Open an account today!

Make an Appointment

Virtual Branch | Call 800-836-7328

Youth Saving Accounts

From cradle to college, it’s never too early to start saving for your child’s future. Our youth savings accounts can help your kids establish good money habits. Plus, there is no account maintenance fee.²

Safari Club

Whether they’re managing an allowance, budgeting small purchases or trying to save up for something special, kids under 12 can learn more advanced money concepts with a Safari Club savings account. For this age group, the Safari Club Newsletter introduces financial responsibility in a fun way, while parents get tips on how to reinforce what kids learn.

Forward Bound

For teens and students ages 13-17 with an allowance, earning their own money or just trying to save, the Reaching My Summit area on The Summit’s website is for them. It’s full of interesting tips about a wide range of subjects–from scams to watch out for to saving for college.

Here’s what you’ll need to open a Youth Account:

Confirm Eligibility

Find out if you’re eligible for membership based on where you live, work, or worship. If you’re not a member, join at the same time!

Application

Make an appointment at a branch today or meet with our Virtual Branch to open a youth account.

Come Prepared

To open a youth account all you need is $5 and the child’s Social Security Number. This is their form of identification.

Make an Appointment

The Summit is federally insured by the National Credit Union Administration. Membership eligibility required.

1. No purchase or obligation necessary to enter or win. All entries have an equal chance of winning. You may also enter the raffle by sending a self-addressed, stamped envelope to The Summit Federal Credit Union, Canal Ponds Business Park, 100 Marina Drive, Rochester, NY 14626 and clearly mark “Winter 2025 Youth Savings Account Raffle” on the outside of the envelope. See official drawing rules for details. Your $20 gift will be deposited into your Summit Primary Savings account within 7 to 10 business days of opening a new Safari or Forward Bound account for ages 0 through 17 only. Youth accounts must be opened between 11/16/25-12/31/25. Offer limited to members that have not had a youth account in the past 12 months. The $20 gift is considered interest and is reportable on IRS Form 1099-INT. You will be responsible for all applicable federal, state, and local taxes relating to the $20 gift.
2. Must be age 22 or younger for exemption of Account Maintenance Fee unless you have the Digital Edge Spend Account. See Rate & Fee Schedule for details. Must be 18 years of age or older to open a checking account, or have an accompanying joint member on the account who is 18 years of age or older.