Teen removing money from wallet.
0.40% APY


compound daily and are paid monthly

Minimum deposit to open


Zard is a group of LGFCU products and services designated for members between the ages of 13 and 19. This account has all of the things you're looking for, like great rates on used car loans, and none of the things you don't — like a pile of expensive fees. 

Get started

Getting started is easy. If your parent or legal guardian is an LGFCU member or is eligible for membership, you can open a Zard Share Account, which is just like an adult savings account. It's the basis for your membership and represents your share of ownership in the Credit Union. That's right: As a member, you're also an owner and you get a say in how we run things. You'll never get in trouble for speaking your mind here.

What you get

As a Zard member (with a parent or legal guardian co-signer if you're under age 18) you can have your own Checking Account, which has a low $1 monthly maintenance fee.

You can also apply for a Visa® Credit Card and access to unique loan programs. All Zard members can have their own Zard Debit Card, and also open a Money Market Share Account or Share Term Certificate. Plus your funds are NCUA insured, which means your money is safe.

Additionally, we offer Zard Group Term Life Insurance for our active Zard account holders age 19 years and younger. Coverage of $1,000 is available for no cost, and an additional $9,000 of coverage is available for $18 annually.

What are you waiting for?

Learn how to manage your money and pick up the financial knowledge you need to help you graduate to adulthood. Certain restrictions may apply. 

Next Steps

Choose a way to request your Zard membership.

FAT CAT and Zard Group Term Life Insurance is not a deposit and is not federally insured or guaranteed by your Credit Union.