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PFCU - MI Credit Union

Resources

Where Kids Learn to Save, Spend and Succeed

Introducing financial education early helps build a strong foundation for future financial independence and healthy money habits. As you navigate this journey with your child, PFCU has resources and options that will grow along with them and their finances.

Become a Member

  • Open a New Cash Cadet Account and receive a $25 bonus!*
  • Cash Cadets Account offered to ages 6 - 12 years      What do I need to open an account?
  • Checking and Savings with No Minimum Balance Requirements
  • 24/7 account access with PFCU Online Banking & PFCU Mobile App
  • Debit Card with access to over 30,000 surcharge-free ATMs nationwide 

 Join PFCU Today Savings Rates How-To: PFCU App Registration

 

Youth Debit Card

With a debit card of their own and guidance from parents or guardian, kids learn the basics of money management, keep an eye on balances and track their spending.

Guardians can set flexibile controls, get real-time notifications, and turn your child's debit card on or off in your PFCU app!

Learn More Apply for a Checking

Account Management is Easy

Send money instantly to your kid's account and get real-time alerts about their money activity. See balances right in PFCU Online Banking or the PFCU App.

Have peace of mind as you're working with your child through money management and manage their savings plan the way that's best for you!

Become a Member

Certificate of Deposit Accounts

Open a new Youth Certificate and receive a $50 Bonus!**

Establish a PFCU membership with traditional savings. Grow your child's money faster with a certificate of deposit.

Certificates can be tied to specific goals - like saving for a bike or gaming system - helping kids connect saving with future rewards.

Learn More

Financial Education

Online resources that teach kids about real life financial situations and how to make wise financial decisions. 

Kids can create a profile, track their progress, and earn rewards from the Credit Union based on their achievements! 

Financial Education

News & Promotions

Opening Your First Account

Opening Your First Account

Keep your money safe, easily!

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For Kids: Earning Income

For Kids: Earning Income

Help teach kids what income is and different types of it.

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8 Internet Safety Rules for Kids

8 Internet Safety Rules for Kids

Cyberbullying, cyberstalking, and internet scams are on the rise - how can we help kids navigate the internet safely?

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Teaching Children About Money

Teaching Children About Money

Whether you’re teaching finances to your kids, your grandkids, or those of a loved one, it’s absolutely essential to teach children how to manage the money they have and invest for the future.

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Saving for College

Saving for College

Saving for college may feel overwhelming, but using a 529 plan can make the process more doable

Read More
Digital Citizenship

Digital Citizenship

Digital Citizenship allows teens and kids (recommended ages 9-15) to practice navigating through online decisions securely.

Read More
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*Open a Dollar Duck, Cash Cadet, or Teen Connection savings account and receive a $25 bonus. Bonus will be credited at account opening and is not considered interest. Limit one bonus per child per youth account. Offer valid starting 01/05/2026 for new members only. Terms and conditions apply. Promotion subject to change without notice. Federally insured by NCUA. Other restrictions may apply.

**Open a Minor Certificate with a minimum deposit of $250 and receive a $50 bonus. Bonus will be credited at account opening and is not considered interest. Additional deposits of $25 or more may be added during the term. Certificate must remain open for at least 12 months or bonus may be forfeited. Limit one bonus per member. Offer valid starting 01/05/2026 for current or new members. Rates effective as of 01/05/2026; subject to change without notice prior to account opening. Federally insured by NCUA. Other restrictions may apply.