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SCHEDULED MAINTENANCE: Online Banking will be temporarily unavailable on 5/12/2026 from 2 a.m. ET to 9 a.m. ET as we complete a scheduled upgrade. We appreciate your patience. 

Beginning May 12th, you will receive a One-Time Passcode to your phone (text or voice options) to login to Online Banking. This is a new security feature that watches for unusual login activity and helps block fraud before it starts!

Youth Accounts

Now more than ever, teaching personal finance to our youth is important. At VCCFCU, we believe that financial literacy is an essential part of preparing the next generation of adults for independent living. That’s why these accounts are exclusively available to members up to age 21.**:

Youth Savings Account – the primary savings for members up to age 21

  • $5 minimum opening balance for membership deposit
  • 3.03% APY* on the first $1, 000
  • FREE ATM card***
  • FREE Online Banking Access***
  • FREE Telephone Banking Access***

Youth Certificates – great yields for long-term goals

  • Open a fixed rate certificate with as little as $500
  • Choose from 12 to 60-month terms when available

Student Checking Account – the best checking around!

  • * Annual Percentage Yield (APY) effective 6/30/11 and is subject to change without notice. Certain restrictions may apply. ** At the age of 21, savings accounts are automatically converted to a regular share account. *** Minors under the age of 15 will need parental consent for these features. Membership conditions may apply. FREE Checking with VISA Check Card (with parent as joint owner)
  • No minimum opening balance
  • No per-check fees
  • For members from 15- to 21-years old.