Youth Certificate Accounts

Help your child reach their financial goals.
Open an account
Already a member - Add certificate account

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 your child earn more money with higher dividend rates.

Make Sure You're Prepared:

  • As a parent or guardian, you'll need to go along with your child to help them open the account
  • Bring your ID and a copy of your child's Social Security card
  • See FAQs below for details

Open an account Already a member - Add certificate account

Rates

2.02% APY*
6 Mo. Youth Certificate • $100 Min. Balance
2.53% APY*
12 Mo. Youth Certificate • $100 Min. Balace
2.33% APY*
24 Mo. Youth Certificate • $100 Min. Balance
2.17% APY*
36 Mo. Youth Certificate • $100 Min. Balance

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
  • Access to MoneyCoach for Students

Why Youth Certificate Accounts ?

Reach your goals faster

piggybank

Minimum Balance

Start with as little as $100.
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Flexible Terms

Up to 36 months

Pledge Loan

100% of the certificate account can be pledged.
Open an account

FAQ

Youth Certificate Accounts Frequently Asked Questions

What are the eligibility requirements to apply?

You can join if you live, work, worship, or attend school in Tucson; work for a Select Employer Group; have a family or household member who's a Hughes member; or donate to one of our partner Special Interest Groups.

What are the requirements for opening a youth account?

  • Account must be opened by a Parent, Grandparent, or Legal Guardian who will be a joint owner on the membership
  • Parent/Grandparent/Legal Guardian must have valid, government-issued photo ID (i.e. Driver’s License/ID issued over 30 days ago or current U.S. Passport with signature)
  • Copy of Youth Applicant’s Social Security card
  • If Youth Membership will have a Checking account, Youth Applicant must have valid, government-issued photo ID (Driver’s License/Permit/ID issued over 30 days ago or current U.S. Passport with signature)
  • If Youth Membership will NOT have a checking account but youth member will have savings account access, youth member can present a current school year picture ID 


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Disclosures

Effective Date: 07-01-2026
*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.