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Youth Savings Accounts

Money Management 101

What's the best way to learn? Experience! Give them the experience they need by opening accounts just for them.


Online Banking

Our younger members can learn how to use online banking tools to successfully manage their finances at an early age.


Build the Habit of Saving

Whether it's squirreling away an allowance or stashing the profits from their lemonade stand, a savings account will establish great habits.


Open the Door to Lifelong Membership

Hard to believe, but someday they'll want a mortgage! Establishing Mocse membership now unlocks a lifetime of benefits.


Mobile Banking

While they're staring at their phones, they can also do their banking. #YoungMembersLoveMocse


Free Checking Account

This may be one of the few things you can get your teenager for free, and it will help them learn basic money management.


We're Local Parents Too

We live here, just like you. Our kids go to school here, are in local 4H clubs, and they even transact with Mocse. Not a cold mega credit union, this is banking with your neighbors.

Free checking account

Kids can learn spending, saving, and giving back

Teenagers can open a Love Our Community Checking paired with Round Up to a Rewards account. This means they can get a free checking account and, if they wish, they can round up debit card purchases to the nearest dollar. The difference will be deposited into a high yield Reward savings account[1]. Perhaps the most awesome feature of Love Our Community Checking: Mocse will donate a penny to Love Stanislaus County with every swipe of a debit card -- at no cost to the account holder. Our young members can learn the power of paying themselves first, and the power of doing good for their community.

debit credit feature 1
Online and mobile banking

Let your young person use all that tech to their advantage

We know it is hard to compete for your child's attention against their phone or computer. Now their technical literacy can help them be more financially responsible. Your child can log into their Mocse account online and in the mobile app to view and manage their savings balance, leading them to have greater awareness of their finances.

Savings feature 2

I was waited on pretty quickly during the week. Clerk was able to take care of my small bill transaction request.

— S. S.
Valeria, the banker who assisted me in both opening my account, and subsequently helped me open a new Visa, which will help me immensely. She was knowledgeable, easy to talk to and very helpful in helping meet my banking needs. I will be staying with Mocse for years to come with bankers like Valeralua.
R. C.
I have always received excellent customer service, whether I come into the branch or make a phone call. I have always been greeted with a smile when I visit a branch; and when I call customer service have always talked to a friendly and helpful representative.
E. O.
Mocse exemplifies in excellent customer service. Compassion and Human Understanding is so appreciated during this venture in society. So many misunderstandings in our electronic advancements. Mocse stands very tall on being a very helpful clarification for mostly all issues of a financial institution.
M. S.

How it works

It’s easy to get a Youth Savings Account with us

Step 1

Bring your family to one of our branch locations.

Step 2

Let us walk your young person through the experience of opening an account.

Step 3

Use the account as an opportunity to teach basic money management.

Create financially responsible young people

Set them up for success with a Mocse savings and checking account.

  • Children’s Online Privacy Protection Rule

    Mocse Federal Credit Union respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 18 to open online accounts without parental consent.

    Our Website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable information.

    APY = Annual Percentage Yield. Dividend rates and APY’s are quoted rates and yields current as of December 29, 2023. Subject to change.


    [1] Member Rewards Savings

    1. Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the credit union’s Board of Directors.
    2. Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account every month.
    3. Dividend period: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends.
    4. Minimum balance requirements: No minimum balance requirements apply to this account.
    5. Daily balance computation method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
    6. Transaction limitations: Deposits can only be made through using debit card Round Up and participating in various bonus rewards offered. Withdrawals can be made in branch or in online banking by transferring from your rewards savings to your accounts or loans.

System Maintenance Due to system enhancements, you may experience issues with Digital Banking Saturday 6/22 8:00 pm - Sunday 6/23 3:00 am PST.