Youth Savings Accounts

Our youth savings accounts are divided into three savings clubs - the Joeys for children ages 0-4, Koala Club for children ages 5-12, and Club F.I.T. (Financially Independent Teens) for ages 13-17. Each club offers unique benefits and teaches our young members financial responsibility - with fun rewards for being savvy savers!


Joey Club

For members under the age of 5 years. They receive an ID card and piggy bank upon opening their account. Any deposit made by a Joey in person at any KFCU branch earns the member the right to choose one prize from Koda's Treasure Chest, limited to one prize per day.

Koala Club

Koala Club

The Koala Club is for children ages 5-12 can earn a free movie ticket, a stuffed koala bear, or a gift card for completing stamp cards. Stamps are earned through regular deposits, attending our Youth Money Extravaganza, and in celebration of his/her birth month.

Account Benefits:

  • A great way to encourage children to save money and gain financial literacy!
  • Earns dividends
  • Easy access via ATM, US Mail, TellerPhone, in a KFCU branch, and through KFCU Online
  • Quarterly Coindexter® (Econopolis Observer) newsletter
  • Federally insured through NCUA

Dividends Paid: Same rates as our Main Share savings account, paid monthly on the average daily balance.
Monthly Service Fee: None1
Minimum Deposit to Open: $25
Balance Requirement: $25

Koala Club Rewards

Members are eligible for rewards like movie tickets, gift cards - even a stuffed koala bear! - as they accumulate stamps on their stamp cards for making regular deposits, attending financial literacy events, and also in celebration of their birth month.

Once you've accumulated enough stamps to claim a reward, fill out our Youth Savings Redemption Form and bring it to any branch or send it along with your original completed stamp card(s) to:

Kirtland Federal Credit Union
Attn: Marketing and PR Department
P.O. Box 80570
Albuquerque, NM 87198

Your reward will be mailed within 3-5 business days after we receive your forms.

Coindexter® Club

This is a secure and safe Web-based game which immerses children in the virtual world of Econopolis, where they'll learn to perform chores, have a job, run their own company and manage their virtual earnings through fun mini-games. Buying and selling shares of Econopolis businesses exposes kids to the Stock Exchange, and much like real life, the outcome of their transactions is influenced by other Coindexter Club gamers. Go to kirtlandfcu.org/coindexter to create your online account* - it's free to play, and a fun way to learn about money and financial literacy!

The Econopolis Observer is the official newspaper for the web-based game of Coindexter, which teaches kids about saving, spending, earning and investing money (a stock market game), as well as doing chores and the value of property insurance. The newsletter keeps Koala Club members up-to-date on all the current happenings in the virtual city of Econopolis, and includes web-based promotions that can earn the member a prize. Koda, our Koala Club mascot, also writes an article for this quarterly publication and informs members of events happening for youth club members at Kirtland FCU. The newsletter is personalized to each youth club member, and is mailed to the address on the youth club account.

Coindexter Club screenshot

* Children should have their parents’ permission before signing up for and playing Coindexter Club.


Club F.I.T.

Club F.I.T. (Financially Independent Teens)KFCU's Club F.I.T. (Financial Independent Teens) is our savings club for members between the ages of 13-17. Each teen member can earn stamps on their official club stamp card for regular deposits, good grades, attending our Youth Money Extravaganza, and in celebration of his/her birth month.

Account Benefits

  • A great way to encourage teens to save money, earn good grades and gain financial literacy!
  • Earns dividends
  • Easy access via ATM, US Mail, TellerPhone, in-person, and KFCU Online
  • Federally insured through NCUA 

Dividends Paid: Same rates as our Main Share savings account, paid monthly on the average daily balance.
Monthly Service Fee: None1
Minimum Deposit to Open: $25
Balance Requirement: $25

Club F.I.T. Rewards

Members earn a free movie ticket reward for completing a stamp card, then their completed card is entered into a quarterly drawing for at least one $50 Visa gift card.

Once you've accumulated enough stamps to complete a card, fill out our Youth Savings Redemption Form and bring it with your original completed stamp card(s) to any branch or send both documents to:

Kirtland Federal Credit Union
Attn: Marketing and PR Department
P.O. Box 80570
Albuquerque, NM 87198

Your reward will be mailed within 3-5 business days after we receive your forms.

Club F.I.T. Quarterly Stamp Card Winners

Every quarter we have a drawing from all of our completed stamp cards from Club F.I.T. members for $50 VISA Gift Cards - congratulations to this quarter's winners!

Kaylyn Martinez, Dovie Garcia, Brandon Murillo, Aeden Baird, Grace Garcia and Mallory Smith

Remember, you can win a $50 VISA Gift Card as well - just complete your Club F.I.T. Stamp Card and turn it in with a Youth Savings Redemption Form, as described above.

2015 High School Senior Scholarship Winners

As part of National Credit Union Youth Savings Week in April, KFCU conducted our annual college/trade school scholarship contest for members who are graduating High School Seniors. KFCU awarded three scholarships. The 500-word (max) essay topic was: "My Plan to Establish Good Credit History". This year we had seven submissions and all were very well done. Our panel of judges were volunteers from our Supervisory and Advisory Committees. To see the winning essays, click on each winner's name.

Congratulations to our 2015 winners:

First Place ($500):  Holly Davis
Second Place ($350):  Jackson Brunetto
Third Place ($250):  Virginia Sumner

1 Transaction limitations apply, per Regulation D

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