It’s never too early to teach kids the importance of saving!  An F&M Youth Savings account can be opened with as little as $25 and is the perfect place to save money earned from an allowance, after-school job or received as a gift.  This FDIC-insured joint account is for clients ages 21 years and under. With an F&M Youth Savings account, children can learn a valuable lesson about saving while watching their money grow*.


  • Minimum opening $25
  • Variable interest rate
  • Interest is compounded and credited to the account quarterly  
  • No minimum balance requirement
  • No quarterly service charges
  • FDIC insured

Click Here to See Our Interest Rates

*Online Banking Services not available to minors under 13 years of age.