Youth Membership Savings Account

¹Annual Percentage Yield (APY) for share savings account is 0.10% APY. The APY is accurate as of the last dividend declaration date. Rate may change after account opening. Fees may reduce earnings. $5 minimum to open a savings account. Bonus of $50, paid at time of account opening, will be deposited into the savings account. Bonus must stay in the account for 90 days. Offer applies to new memberships opened April 1, 2021 through September 30, 2021 for ages 0 through 17 only and offer is subject to change or may be extended at the credit union’s discretion. Maryland Uniform Transfers to Minors Act (MUTMA) and custodial accounts are not eligible for the bonus. New youth membership accounts must be opened via online secure form or in an APGFCU branch. We may report to the IRS the value of any cash received and any applicable taxes are the responsibility of the recipient. Membership eligibility applies. Other restrictions may apply. This offer may not be combined with any other share savings offers.

Teaching children smart money habits is a priority for us and always has been.

Many of today’s parents might remember growing up with Moola, the purple money-saving mascot, and the Moola Savings Account. Moola was a great tool used for many years to help teach smart money habits. Moola, just like our Moola generation members, has grown up, is remembered fondly, and his legacy lives on.

M3 Money Club

Cash and Violet, leaders of the M3 Money Club, have swooped in to engage this generation and help parents teach their children the importance of money with our new M3 Money Club Youth Program.

M3 stands for "All the Money in the World." Cash, Violet and your child are the M3s protecting the world from the Evil Dr. Spendit, who tries to thwart our youth’s efforts in saving for the future.

When your child joins the M3 Money Club and becomes an APGFCU Super Saver, they’ll receive the  tools they need to learn the basics of saving and spending.

• Designed for kids ages 4 to 12
• Membership is free
• M3 website access providing full interactive learning experiences
• A dividend-bearing savings account
• Parents can easily transfer funds into a child’s account through online or mobile banking

Learn more about M3