Chickadee Club Savings
Chickadee Club Savings Account (Ages 0-5, formerly Starter Savings)
Our littlest savers are building their nest egg! This account helps parents and guardians start their child's financial future from day one with a safe place to grow early savings. Whether it's birthday cash from grandparents, allowance for chores, or holiday gifts, each deposit is an opportunity to introduce the concept of saving for the future. As your child grows, so does their account – and so does their understanding that small amounts today can become something meaningful tomorrow. With features designed for young families and a community invested in your child's success, the Chickadee Club makes it simple to give your little one a strong financial start.
Eligibility & Requirements:
- Maintaining a $1 minimum balance will ensure no service fees.
- Your child should be aged 0 – 5, with a person over the age of 18 as a joint account holder.
- The account requires a completed membership application in the child’s name, a valid ID1, a one-time $5 Membership fee and a minimum opening deposit of $1.
Chickadee Club Savings
The first step towards financial literacy
Our littlest savers are building their nest egg! This account helps parents and guardians start their child's financial future from day one with a safe place to grow early savings.
- No direct deposit requirement
- Coin processing fee waived (at select locations)
- Balances of $1 and above enjoy a 0.05% APY2
A journey of growth:
When your child turns 6, they graduate to our Moo-La Club Savings account. It's a fun, engaging account for elementary and middle school-aged children that makes saving exciting and builds early financial habits.
Savings Covered by the NCUA
At Valley First, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about Share Insurance Coverage provided by the National Credit Union Administration.
1 Applicants will be screened with a Risk Management system validating: Identity Verification; Know Your Member Checks and Fraud/AML Information. Proper identification such as a State issued ID or Passport is required for Joint account holder. Minor can be identified by State ID or an alternative ID such as Birth Certificate, Social Security Card or Official school records.
2 APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11.01.2026. This is a variable rate account. Rates, terms and conditions are subject to change at any time after account opening, as determined by the credit union. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum balance of $1 to obtain the Annual Percentage Yield stated. See All Rates for complete details.