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Young Adults Savings (18-24)

Banking That Grows With You

Young Adults (Ages 18-24)

As life changes, your banking should evolve too. Our Young Adult Accounts are designed for members ages 18–24 who are building independence — whether that means starting a career, attending college, or managing finances on their own for the first time.

🏛️ Young Adults Savings Basics

  • Minimum Opening Deposit is $5.00
  • Minimum Balance is $5.00
  • Minimum Balance to earn dividends is $50.00
  • No Monthly Fees
  • Quarterly Statements
  • Rate Rewards: After account balance reaches $500, $1,000, and $1,500*
  • Dividend Rates: Refer to current rates

☝️ At age 25, the account automatically transitions to Regular Savings.

* Add an additional 0.05 rate bonus when balances reach $500, $1,000, and $1,500.

💻 Digital Access

  • Access to Online & Mobile Banking 24/7
  • Access to eStatements


📚 Financial Education

Protection Plus Checking Account

Our Protection Plus checking account helps young adults ages 18–24 confidently manage their money as they step into greater independence. It provides hands-on experience with everyday banking, tracking spending, and understanding financial responsibilities — all while remaining completely free through age 24.

💡 Benefits

🚫
No Monthly Fee

🕵️‍♂️
Credit Report Monitoring

💰
Earns Dividends1

🏧
ATM Refunds3

🛡️
ID Protection

📱
Cell Phone Insurance

💳
Debit Card Rewards2

🚗
Auto Loan Discount4


Learn More about Protection Plus 

🏛️ Protection Plus Basics

  • Minimum Opening Deposit is $0
  • Minimum Balance is $0
  • No Monthly Fee Until Age 25
  • Monthy Statements
  • Courtesy Pay (based on account status)
  • ATM Fee Reimbursement Up to $20 per month
  • Zelle

☝️ At age 25, the account remains as Protection Plus Checking but a $4.95 monthly fee begins the month following the account holder’s birthday.

💻 Digital Access

  • Access to Online & Mobile Banking 24/7
  • Access to eStatements
  • Card Management Available through Digital Banking
    • Set alerts and transaction limits
    • Turn cards on or off
    • Manage cards within Digital Banking

1 Dividends are calculated daily and compounded and paid monthly. See current rates. Please refer to our Truth-In-Savings Disclosure for all applicable disclosure information. Rates are subject to change without notice. To qualify for dividends, you must make 10 or more signature debit based debit card or POS debit card transactions a month; opt-out of paper statement enrolling in e-statements; and perform at least 1 electronic withdrawal or electronic deposit in your account.

2 To qualify for debit card rewards the transaction must be signature-based.

3 ATM refunds up to $20 if the following account activity is met that month: 1) enrolled for e-Statement, 2) made at least 10 debit card transactions, and 3) made at least one electronic debit or credit transaction.

4 Get a 0.25% discount for having an auto payment transfer from a Foothill checking account with a direct deposit. Get a 0.50% discount for having auto payment transfer from a Foothill share account with direct deposit or payroll deduction, minimum of $1,000. Final rate cannot go below the floor rates.

Fees could reduce earnings.

Starter Rewards Credit Card

  • Available for Ages 18-24
  • No credit needed
  • Introductory Rate of 0% APR for the first six (6) months on all purchases
  • 12.99% APR*
  • Credit limit ranges from $500 to $2,500
  • No annual fee

Apply Now

*APR - Annual Percentage Rate. Rate subject to change without notice.



GENERAL DISCLOSURE
Membership required with a regular share account with $5 minimum balance. Minimum balance to earn .05% Annual Percentage Yield (APY) dividends is $150. Variable rate subject to change at any time. Subject to change or end without notice. Other restrictions may apply.

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Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina, Glendora, and Upland.