Welcome to Youth First!
Products and Services
Share/Savings Account Checking Account VISA Check Card
VISA Credit Card First-time Auto Buyer's Loan
Share Certificates Personal Loans Student Loans
If you are between the ages of 13 to 19, you
are a very powerful emerging force in our economy.
Did you know that young people in your age group spend an estimated $122 Billion a year! Add to this the influence your piers have on many major family purchases, and you spend an amount equivalent to half of the U.S. defense budget!
Nearly half of you, 16-19 year olds, are in the job market with full or part-time jobs. Younger teens, ages 13-15, are earning money by babysitting, flexing muscles on yard work, or from allowances given by parents for sharing household chores.
So, how are you spending your billions? Teens responding to a recent survey revealed that 67% own home stereos, 33% own cars or trucks, and 27 % own personal computers. Earnings are also spent on fast food, radios, computer software, cameras, clothing, music, sports equipment, and bicycles.
Earning wages, budgeting money to buy clothes, paying for entertainment, going out with friends...how do you manage to balance your newfound financial decisions? You need a place to put your hard earned money, a safe place with convenient access. You need to save for your first car and will probably need a loan to finance a portion of the purchase. You'll need to be an informed consumer when you go to purchase a car. There is so much to learn.
As a member of Youth First, you will receive educational newsletters and publications that will help you develop the skills needed for good money management. You will learn by managing your own money with the products and services that have been developed for Youth First members--savings accounts, checking accounts with ATM access, car loans, credit cards, and student loans.
With college or preparing for a career just around the corner, learning to handle your finances now will benefit you the rest of your life.
It's easy to join…
Membership is open to eligible young people,
13 to 19 years of age. A deposit of $5.00
will open your account.
A $5.00 minimum balance is to be maintained in a share savings account (this represents your ownership of five $5.00 shares in the credit union)
PRODUCTS AND SERVICES 
Youth First Savings
If you have an allowance or a part-time job, you should put that money to work for you. Use your club account to save for anything worthwhile--a new CD player, a bike, the prom, your first car, or college tuition. It is always good to have money set aside for upcoming school functions or unexpected emergencies.
Youth First Checking*
If you have a steady income and are willing to take responsibility for your financial affairs, you could be ready for a Youth First Checking account. It is a deposit account that gives you the freedom to access your funds by writing a check or withdrawing cash from an ATM using a debit card. There is no monthly fee on this account up to age 23. Your first order of checks are also free. We'll provide you with information and assistance in how to manage and balance your monthly statements..
Visa Check Card*
With the convenience of our debit card, your deposit funds are available anytime, anywhere. Your card can be used for making purchases wherever the Visa/PLUS logo is displayed, and to withdraw cash at ATMs. A "must have" for school travel and college students. 
First Time Car Buyer*
Need help finding reasonable financing for your first car purchase?
Your credit union is here to help. You'll receive a special 2% discount below our already low car loan rates. This special low rate loan will help get you rolling with a new set of wheels.
Visa Credit Card*
Learning to use a credit card responsibly is important. Caution should be used in choosing the right card for you. Our card has no annual fee, no cash advance fees, a low annual percentage rate, and is recognized worldwide.
Share Certificates
A share certificate is a high-yield, fixed term, investment account. Make your money work hard for you by taking advantage of the special terms offered exclusively to Youth First Club members. The minimum deposit is $500 for a term of thirty-six months. It's an excellent way to save for long-term goals.
Personal Loan*
An excellent record of paying your bills on time, or your "credit history" as it is called, will be an important asset to you as an adult. Special consideration will be given to Youth First Club members who need to finance worthwhile purchases such as personal computers, musical instruments, sports equipment, etc. Starting out with a small loan from your credit union can help you build a credit record that will help you later with life's bigger purchases.
Student Loans*
We offer both the Federal Subsidized and Unsubsidized Stafford student loans to help you with college tuition.
* If you are under the age of 18, a parent or guardian is required as a co-signer for these services.
Our Youth First Coordinator is available to answer any questions you may have concerning your membership with First State Federal Credit Union. Please feel free call or stop by the credit union office.
800-426-1175 or 302-674-5281
