Empowering Youth to Build Bright Futures
We believe great money habits start early. That's why Baylands Family Credit Union offers two programs designed to meet kids and teens right where they are — from their very first piggy bank moment to their first real paycheck.
Both programs are free, fun, and built to set young members up for a lifetime of financial confidence.
Bailey's Barnyard Savings Club (Kids 12 and under)
Plant the Seed.Watch Your Savings Grow.
Saving money should be fun and feel like an adventure, and for kids 12 and under, it can! Bailey's Barnyard Savings Club turns everyday deposits into a BFCU Youth Savings Account into something to get excited about. Your child will join Bailey and his Barnyard Pals on a savings journey filled with activities, rewards, and real skills that grow right along with their piggy bank.
Meet Bailey and his Barnyard Pals!
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Earn Stamps,Win Prizes!
For every deposit of $10 or more into your Youth Savings account, your Barnyard Savings Club Card gets a stamp.
Fill up your card, then drop it off at any Baylands Family Credit Union location for a chance to win!
Each quarter, one lucky winner is drawn to receive an exciting prize pack. It could be filled with wireless headphones or movie tickets or gift cards or BFCU gear, and more!
Ready to start saving? Pick up your Savings Club Card at any BFCU branch.
Bailey's Barnyard Savings Club Activity Hub
Learning about money should be as fun as spending it. The Barnyard Savings Club Activity Hub is packed with kid-friendly games, worksheets, and hands-on activities that make financial concepts click , for kids and parents alike. New activities added regularly!
As kids grow into their teen years, BFCU has another great resource to guide them along the way.
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Start Smart Society (Youth 13-17)
Start Smart. Live Smarter. Own Your Future.
The teenage years are when financial habits really start to stick. Our Start Smart Society program meets teens at this pivotal moment, whether they're cashing their first paycheck, saving up for a car, or figuring out how a debit card actually works.
This isn't your typical lecture on budgeting. It's practical, bite-sized financial education built for real life. The program also pairs well with a teen member’s first debit card, with a parent or guardian’s permission, of course, via a Next Gen Checking Account.
💡 Designed for teens. Perfect for parents and teens to explore together.
What You’ll Get
- Access to interactive financial education content via the BFCU+MoneyEDU Online Financial Wellness Center
- Self-paced lessons — learn on your schedule, not a classroom's
- Topics that matter: budgeting, saving, credit, smart spending, and more
- Tools to build independence and confidence with money
- Opportunities to win gift cards or wireless headphones or other prizes by completing financial education challenges
Start With These 3 Courses
Jump right in with these beginner-friendly courses:
Choices About Money
Financial decisions almost always involve a trade off - getting something now usually means giving up something else.
Start Smart Society Course 2
Managing Financial Accounts
How to get the most for financial services while minimizing fees and protecting your personal information.
Start Smart Society Course 3
Ready to Get Started?
At BFCU, we’re here to support every step of your child’s financial journey—from their very first savings account to the added responsibility of a Next Gen checking account as they grow. Along with our youth-friendly resources and programs, these accounts give kids and teens the opportunity to practice smart money habits in a safe, supportive environment. Because when financial skills start early, confidence and independence last a lifetime.
Ready to help your child take the next step? Visit a branch near you or give us a call 804-843-2520.