What is a Youth Account? A youth account is designed to educate children and young adults about financial concepts such as earning and saving money. This is also a tool to make children well aware of how to make smart financial decisions. A social security and state ID of the child and guardian are required to open the account. Once the child has reached the age of 18, a guardian is not required to be on the account. Contact Us To learn more about youth accounts, call the professionals of Valley Federal Credit Union of Harlingen at (956) 425-5668 or the Brownsville credit union branch at (956) 546-3108.