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PFCU - MI Credit Union

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Your Partner in Family-Focused Financial Growth

Good habits begin young. That’s why we offer a suite of accounts and tools designed just for kids and the families who support them. Whether you're saving for your child’s first bike, a future adventure, or simply teaching them the value of a dollar, our Dollar Duck accounts make it easy and fun to get started.

Become a Member

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

 

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.

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Financial Education

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

With adult assistance, kids can create a profile, track their progress, and earn rewards from the Credit Union based on their achievements! 

Financial Education

Kids Reading Corner

PFCU has published our very own book about the importance of youth banking and financial literacy, featuring our favorite youth mascot, Dollar Duck. We have also created free kids coloring pages - right from the book!

Read the Book Online   Dollar Duck Coloring Pages 

Cash Cadets

Once your child turns 6, they will automatically transition to a Cash Cadets Account. Offering the same great savings benefits and financial education with additional products like youth debit cards.

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News & Promotions

Earning Income

Earning Income

Teach kids about different types of income.

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Saving for College: 529 Savings Plan

Saving for College: 529 Savings Plan

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

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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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3 Jar Allowance For Kids

3 Jar Allowance For Kids

The sooner you teach your children the basics about budgeting, the better, and the 3 jar money system is a great way to get started.

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Introducing the Concept of Credit

Introducing the Concept of Credit

Breaking down credit concepts for kids of all ages.

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50/30/20 Rule

50/30/20 Rule

The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that's easy and effective. It offers guidelines for enjoying your income while putting savings on autopilot.

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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.