Youth & Student Accounts

Helping our young members learn responsible money management

Empire ONE offers several accounts designed for children and young adults. From beginning savers to teens who are working for the first time and preparing to head off to college, our young members will learn how to develop good savings habits and responsible money management.

Youth Savings accounts for ages 13 to 17

Help your children or grandchildren understand the responsibility and rewards of saving money with a Youth Savings account. It’s a great way for young people to learn how to save for specific goals and enjoy the accomplishment of achieving them. Youth Savings accounts are available to members age 13 to 17.

Student Checking accounts for ages 17 and over

Students age 17 and older can open a free Student Checking account and get a head start on learning the financial responsibility of making deposits, writing checks and using an ATM card. The account must be a joint account with a parent or guardian. There is no minimum balance required, and there are no monthly service charges, no per check charges and no transaction or service fees with the account.

Student Visa® Credit Card for ages 17 and over

Help your child or grandchild learn responsible credit habits from an early age and begin to build a solid credit record. Our Empire ONE Student Visa® Credit Card has no annual fee and a maximum credit line of $500. A parent or guardian must be a co-signer. Current Empire ONE Visa® Classic Credit Card rates and fees apply.

To open any Youth or Student account, please call or visit your nearest Empire ONE branch.

All of your Empire ONE FCU deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.