)
Youth Accounts
Rates as high as
2.25
% APY*
Give them a good head start
Help build up your child's or grandchild's savings while teaching them valuable money management skills.
Create a strong foundation
Teach children to establish good savings habits
Give children a sense of ownership
Help your child set financial goals and manage money
| Product | Standard Rate | Standard APY* | Rate with Active Checking† | APY* with Active Checking† |
|---|---|---|---|---|
| Youth Savings¹ Minimum balance to open: $1(share pledge) | 0.050% | 0.05% | N/A | N/A |
| Youth Certificate² Minimum balance to open: $250 | 1.982% | 2.00% | 2.227% | 2.25% |
| Student Checking (Ages 13-17) Minimum balance to open: $20 | 0.00% | 0.00% | N/A | N/A |
Youth Savers
- Open with a $1 minimum deposit
- Earn dividends on all amounts as children add birthday and holiday money, allowances, etc.
Youth Certificates
- Open with a $250 minimum deposit
- Earn higher returns than regular savings
- Money grows at a fixed rate for a 12-month term
- Use the $50 add-on feature to boost the savings
Custodial Accounts
- Establish for the benefit of your minor child or grandchild
- Manage the account while your child is a minor and then transfer the account when they're older
*APY = Annual Percentage Yield. Rates are effective 7/20/2025 and are subject to change at any time. Conditions and restrictions apply.
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