Online Banking

Kiddie Hawk Savings Accounts

Encourage your children or grandchildren to start saving early with a Kiddie Hawk Savings Account. The Kiddie Hawk Savings Account, designed for children 12 and under, rewards young savers with high-interest yields each month.

Plus Kiddie Hawk Savings helps children learn a habit of saving: when a Kiddie Hawk account holder turns 13, his or her savings are rolled over into a Regular Savings account.

  • Higher yielding interest than Regular Savings (click here for current Savings rates)
  • Available to children age 12 and under
  • No minimum balance requirement
  • $5,000 maximum balance limit
  • No monthly account maintenance fees
  • No sign-up fees
  • Monitor or transfer funds to your child's account online for free
  • Maximum of 3 free withdrawals per year
  • Your child's Kiddie Hawk Savings Account is federally insured by the NCUA

A parent, grandparent, or legal guardian must be present to open a Kiddie Hawk account.

Visit us to open a Kiddie Hawk Savings Account for your child or grandchild today, or call (513) 523-8888 for information.

All credit union accounts are subject to the Membership and Account Agreement and Funds Availability Policy.


Children's Online Privacy Protection Act (COPPA) Notice

Miami University and Community Federal Credit Union (MUCFCU)’s website is directed at users age 18 and over. We do not intentionally or knowingly collect information on children under age 13 through our website. 

Accounts for young members (“Kiddie Hawk” accounts) must be opened at an MUCFCU branch, with a parent, grandparent, or legal guardian present. A parent, grandparent, or legal guardian must be listed as a joint owner on a Kiddie Hawk account, and must consent to the credit union’s collection of any of the child’s personal information. Kiddie Hawk accounts cannot be opened or initiated online. Should a child under age 13 attempt to open an account online, MUCFCU will, upon discovery of the child’s age, delete the personal information submitted by the child from its computer system(s) and/or attempt to notify the child’s parent or legal guardian that the child’s personal information was submitted.

If a Kiddie Hawk account holder or joint owner uses MUCFCU’s Online Banking service, the service may occasionally ask for the child’s personal information (specifically birth date, ZIP code, and/or last 4 digits of his/her Social Security number), in order to verify that the user has the credentials to access the account online. The entry of this information will be used solely for verification purposes, and must match the child’s information already in MUCFCU’s account records, obtained previously with the permission of the parent, grandparent, or legal guardian.

MUCFCU may occasionally submit a child’s personal information to our approved third-party service partners, at the partner’s request. A parent or legal guardian may ask that his or her child be opted out of such submissions when opening the child’s account, or later on by contacting the credit union. 

A parent or legal guardian has the right to review his or her child’s personal information collected, ask to have the information deleted, and/or refuse to allow any further collection or use of the child’s information. Such requests may be made by contacting the credit union.

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NCUA logo

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.