Starter Savings

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It’s never too early to start saving.

Designed for young children ages 0-5, our Starter Savings Account puts them on the right path to financial independence.

Start saving today and enjoy a free gift at account opening.

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Our young members can enjoy these convenient features & benefits:

No Direct Deposit

Waived Coin Processing Fee


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Balances $1+
0.05 % APY1


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This account must maintain a $1 minimum balance at all times to avoid a service fee and account closure. You must maintain a minimum balance of $1 to obtain the Annual Percentage Yield stated.

To establish a Starter Savings Account, your child must be between the ages of 0 – 5. A parent or legal guardian must be a joint owner on the account, complete a membership application in the child’s name, provide a valid form of ID and make a minimum opening deposit of $1.

What’s Next?

As your child grows, their account will grow with them! When they turn 6, their Starter Savings Account will automatically convert into an Adventure Savers Account, giving them access to more perks.

Free 24/7 Services

Online & Mobile Banking

Free, secure access to your account anywhere, anytime.

Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy. Get started today and enjoy our user-friendly Online & Mobile Banking.

Learn More


Data and other wireless carrier charges may apply.


Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.

Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

Learn More

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Opening an account is easy.

Simply visit your local branch and a Member Service Specialist will assist you in opening a Starter Savings Account for your child.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 5/22/23. This is a variable rate account. Rates, terms and conditions are subject to change 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.

Savings Covered by the NCUA

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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.