Youth Accounts
In The Money Account
Texting teens and young adults know that “itm” stands for “in the money.” Older teens and young adults know the power of money as they work, plan for, or already attend, college. An In The Money Account can help you make smart choices with your money – how to make the most of your savings, how to spend wisely, and even how to share what you earn.
Save
- In The Money Certificate
- Minimum Rate, 5.00% APY1
- Minimum Investment $50, Maximum Investment, $500
- Additional Minimum Investment, $50.00
- 12 Month Certificate automatically renews until minor turns 21
- No penalty for early withdrawal
- One account per minor member
- Additional Certificates – Current Rates
- Open with as little as $50
- Free Online and mobile banking transfers from parent or guardian account to Youth Account – a great way to provide an allowance or emergency funds
- Free coin counting at the both Pittsford and Mendon branches
Spend
- Checking Account with VISA Debit Card*
- Access to Rochester’s largest surcharge-free ATM network
- 6 free ATM withdrawals per account per month. Each additional withdrawal transaction costs $2.00. Transactions completed at PFCU ATMs in our branches are not counted toward the 6 free transactions. – Find an ATM near you
- Free Internet Bill-Pay Service
- Free overdraft protection from savings available.
- Access to Rochester’s largest surcharge-free ATM network
- Free online and mobile banking
Share
- Resource list of community organizations that Pittsford FCU supports for those who are seeking volunteer opportunities or places to donate money – Learn More
- College scholarship opportunities for high school seniors
*: Age 13-17 requires Debit Card Responsibility Pledge, and a parent/guardian joint owner is recommended.
1APY = Annual Percentage Yield. Dividends posted to share account monthly. Member must be 21 or less to qualify. Rates subject to change without notice. APY is accurate as of the last dividend declaration. Fees may reduce earnings.