Help your child become a lifelong saver

Do you wish you had started saving earlier? A GHS Federal Credit Union Youth Savings Account gives your child or children a tangible and responsible way to learn about budgeting and setting goals. It also gives them a head start on ways to manage the financial responsibilities that lie ahead.


Is your child ready to take on more financial responsibility and begin to take charge of their financial future? With just a $5 deposit, you can open a youth savings account with your child!


It’s a custodial account, which means a parent or guardian shares joint ownership of the account, including access to the account balance. When your child reaches maturity and leaves home, the money they’ve saved goes over to them.

Our Youth Savings Account gets your child thinking about their future

Welcome Piggy Pack

When the account is opened kids get a savings register, a savings challenge sheet and a piggy bank

Special Rewards

  • Choose a prize for every deposit made in person
  • FREE access to our coin machine (located at Main Branch)
  • Reduced opening deposit on Share Certificates
  • Free Online account access

Joining the Youth Savings Account Club is EASY!

Becoming a member of GHS Federal Credit Union and our Youth Savings Club is simple. You only need these 3 things to open your account today;

  • Social Security card
  • Parent or Guardian for Joint Ownership
  • A $5.00 deposit

Our Youth Savings Account Gets Your Child Thinking About Their Future

We offer other tools that will help kids learn about money and to save for the future. They’ll learn to plan for the long term with junior share accounts, and to put aside money for something they want with our Holiday Klub.

Junior Term Share Accounts
(Certificates of Deposit)

Want to really peak your child’s interest in money? Consider a GHS Federal Credit Union special Junior Term Share Account.

We’ve lowered the minimum balance required to earn Term Share Dividends and help make it easy for your child to save.

Kris Kringle Holiday Klub.

Kids can save the money they need for that special holiday gift. Our Holiday Klub lets them set a goal – and save to meet it.

Youth Savings and Kris Kringle accounts are variable rate accounts and as such, subject to change. Dividend rates are anticipated rates based upon earnings.

Interest rates are subject to change at any time. For further information about savings rates, applicable fees and terms, please contact GHS at (607) 723-7962. Early withdrawal penalties may be imposed on Term Share Accounts.


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How do you apply for a youth savings account?
Our three-step application process is easy. You answer a few questions to establish your eligibility, and have the following documents and information ready:

  • United States government issued ID (i.e. your driver’s license, state ID, or your passport with a current address)
  • Your complete physical and mailing address
  • Social Security Number
  • Your date of birth
Who is eligible to become a GHS Federal Credit Union member?
Anyone who lives, works, worships, goes to school, or volunteers in Broome, Tioga, or Chenango counties in New York can apply for membership. Immediate family members of GHS account holders are also eligible to join.

Even better, if you move away, you can hang onto your GHS Federal Credit Union membership. It’s a lifetime relationship!

With our online and mobile banking features, you can access your accounts from anywhere, whenever you need to. Check your balance, make deposits,and more!


Get started.

What if I need or want to add a beneficiary to an account?
You can add or remove an account beneficiary by giving us a call at 800-732-4447.

You can also add or remove them by visiting one of our convenient branches.

What other financial wellness resources are available to help me teach my child about financial responsibility and money management?
We offer a library of articles, arranged by category, to help readers improve their financial literacy.
What are the additional benefits of GHS Federal Credit Union membership?
Our members enjoy access to our products and services, including checking accounts, debit cards and credit cards, and the ability to check your balance whenever and wherever you want with our mobile app.

Additional benefits include:

  • E-Statements
  • Access to thousands of free ATMs through our ATM networks
  • Make deposits to your account at your convenience with our mobile deposit feature