Youth Certificate Account | Hughes Federal Credit Union

Help your child reach their financial goals.

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

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.

FAQ

Youth Certificate Accounts Frequently Asked Questions

What are the eligibility requirements to apply?

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 Kirk Bear Canyon Library

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

Contact An Expert

Effective Date: 04-01-2026

*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.