Youth Certificate Accounts

Help your child reach their highest potential.

Get a head start on the road to a prosperous future.

Whether saving for a car, college or financial independence, Hughes' Youth Certificate Accounts can help you earn more money with higher dividend rates.

Features & Benefits

  • For young members up to age 17
  • Minimum balance of just $100
  • Available in 6, 12, 24 and 36-month terms
  • Dividends are compounded daily and credited monthly


  • 0.20% APY*
    6 Mo. Youth Certificate • $100 Min. Balance
  • 0.30% APY*
    12 Mo. Youth Certificate • $100 Min. Balace
  • 0.50% APY*
    24 Mo. Youth Certificate • $100 Min. Balance
  • 0.60% APY*
    36 Mo. Youth Certificate • $100 Min. Balance
Effective Date: 04-17-2020
*APY = Annual Percentage Yield. Certificate Accounts are compounded daily and credited monthly. Minimum Balance required to open an account and earn the posted APY. There is a substantial penalty for early (premature) withdrawal of Certificate Account funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time. Fees may reduce earnings.

Why Youth Certificate Accounts ?

Reach your goals faster


Minimum Balance

Start with as little as $100.

Flexible Terms

Up to 36 months

Pledge Loan

100% of the certificate account can be pledged.


Youth Certificate Accounts Frequently Asked Questions

You may join Hughes Federal Credit Union if you:

  • Live, work, worship or attend school in Tucson
  • Are employed by one of our Select Employer Groups
  • Have a family / household member who is a member of Hughes: Family member – a spouse, child, sister/brother, parent, grandparent, grandchild, stepparent, stepchild, stepsister/brother, or adopted child. A household member is a person living in the same residence sharing household expenses.
  • Make a small donation to one of the following community Special Interest Groups:
    • Friends of the Oro Valley Public Library
    • Friends of the Pima County Public Library
    • Friends of the Green Valley Public Library
    • Tucson Audubon Society