Great rates, low fees. Lessons that last a lifetime.
Under your watchful eye, of course. Set up text alerts to monitor account activity in their Star One checking or savings accounts.
Young family members earn 3.51%APY[1] on their savings accounts—just like the adults.
No minimum age requirement.
Star One Minor Account
Real money. Real decisions. Real parental supervision.
- Kids and teens practice money management and watch interest being earned
- Online and Mobile Banking available
- Ages 13+ can add a free checking account and Visa debit card
- A parent or legal guardian must be a joint owner on the account
- Initiate one-time or recurring transfers to minors' accounts
Star One Transfer to Minors Account
Put away money over time. Hand it over when they’re ready.
- Gift account with no minor access
- Parents, family members, or friends can contribute
- The minor takes possession of the account upon reaching legal age (18 in California)
- Initiate one-time or recurring transfers into the account
- College savings accounts also available
Youth Accounts are for minors under 18.
Aged up? Check out Student Accounts.
FAQ: Minor Account
A Minor Account can only be opened for a minor under the age of 18.
The account is like any account at Star One except that a parent or legal guardian must be a joint owner on the account.
The minor and adult joint owner both control the account. An adult signature is not required on transactions performed by the minor, and vice versa.
The minor must qualify for Star One membership—usually by living, working, or studying in one of Star One's nine California counties.
- The minor does not need to provide a valid ID for the account to be opened.
- However, the minor must provide valid ID for any in-person transactions at a branch, including the issuance of an ATM card, Visa debit card, or check orders bearing the minor's name.
- The minor must be able to sign their own name for transactions such as in-person withdrawals.
- Minors without valid identification must be accompanied by a parent or guardian who can authenticate their identity.
- Merchants may decline transactions without proper identification.
Star One recognizes U.S. Passports and ID cards issued by a state Department of Motor Vehicles (DMV) as valid forms of identification.
When the minor reaches adult age—18 years old, in California—the account can be converted into a regular savings account.
FAQ: Transfer to Minors Account
A Transfer to Minors Account can only be opened for a minor under the age of 18.
The custodian controls the account until the minor is of adult age—eighteen (18) years of age in California.
The custodian can withdraw funds from the account, but only for the minor's benefit—a checking account may be opened in addition to a savings account.
If audited, the custodian is solely responsible for explaining withdrawals to the Internal Revenue Service.
Dividends earned are reported under the minor's social security number.
One of the two following membership conditions must be met:
- The minor lives, works or studies in one of Star One's nine California counties, or otherwise qualifies for membership. Learn more about who can join.
- Or, an immediate family member who is a Star One member may sponsor and establish the Transfers to Minors Account.
- This account sponsor also designates the custodian and successor custodian on the account. The sponsor may designate themselves in one of these roles, or they may designate other individuals—who are not required to be Star One members.
- The California Probate Code states that only one person may serve as custodian at a time.
When the minor reaches adult age—18 years old, in California—the account can be converted into a regular savings account.
A new membership application must be completed and signed by the minor and the minor must present proof of their date of birth (e.g. driver's license, birth certificate or passport).
The custodian's signature is also required when the account is converted or closed.
Disclosures
2. Launch Your Potential – Youth Month 2026 iPad Giveaway Official Rules and Regulations
NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES.
The sweepstakes period begins at 12:00AM PT on 4/1/2026 and ends at 11:59PM PT on 4/30/2026; all entries must be received within this time period. To participate in this giveaway, participants must:
• Open a new Minor Membership Savings Share using promo code “YOUTH”, or;
• Register and attend one of the free online webinars offered by Star One on Wednesday, April 8, 2026 or Thursday, April 23, 2026.
Eligible individuals will automatically receive one (1) sweepstakes entry during the sweepstakes period once the participation requirements are met. Limit (1) entry per eligible individual.
Eligibility: Sweepstakes is open to legal residents of United States who are 18 years of age or older as of 4/1/26 and otherwise meet the qualifications to join the Credit Union. The qualifications for joining the Credit Union are available at StarOne.org under the Membership tab, Who Can Join Star One Credit Union? link. Star One Credit Union staff is not eligible to participate.
Drawing: On 05/15/2026, one (1) winner will be chosen via a random drawing performed by the Star One Community and Business Development team. All participants will have the same odds of winning due to entries being limited to 1 per qualified participant. The overall odds of winning will be determined by the total number of entries received; i.e. if 300 entries are received, each entrant has a 0.33% chance of winning.
Prize: One (1) Apple iPad Air 128GB (Space Grey) valued at $599 before applicable taxes and fees, or the cash equivalent, will be awarded to one (1) randomly selected winner. Winner is responsible for all federal, state and local taxes where applicable. Individual Taxpayer Identification Number required to receive prize; prize may be subject to IRS reporting. Prizes are non-transferable.
Prize Notification: The winner will be notified by phone or other traceable method of delivery, within 5 business days of being selected as the winner. To claim the prize, the winner must complete and sign an Affidavit of Eligibility; this Affidavit of Eligibility must be signed and returned within 14 days from the date of prize notification or the prize will be forfeited.
Additional Terms: If for any reason, this sweepstakes is not capable of running as planned, Star One Credit Union reserves the right at its sole discretion to disqualify any entry or entrant and/or to cancel, terminate, or suspend the sweepstakes and at its sole discretion to award prizes from among all eligible entries validly received prior to the action requiring such modification.
For questions regarding this sweepstakes please mail a letter to:
Grace Thompson
Community & Business Development Manager
P.O. Box 3643
Sunnyvale, CA 94088
3. Annual percentage yield (APY) is 3.51% as of March 25, 2026, is variable and subject to change. Minimum deposit of $50 required to open a Money Market Savings Account and earn APY. Fees may reduce earnings. $70 bonus will be credited to your savings account upon account opening. This offer is made for new members under the age of 18 only. Offer effective April 1, 2026, through April 30, 2026. Not redeemable for cash. All new accounts are subject to Star One credit approval, account opening procedure, Truth-in-Savings account and membership terms, disclosures and fee schedule. Individual taxpayer identification number required to receive bonus. Bonus may be subject to IRS reporting. Bonus applies only to first-time Star One members and is only paid once to each individual. Promo code: YOUTH.