A real savings account, built for young savers
A youth savings account paired with a friendly app — competitive dividends, no monthly maintenance fees, and a trusted adult alongside every step of the way.
Getting started in four steps
Choose the right account
Pick the account that fits your saver — Young Saver, Saver Plus, or Family. Every option has no monthly maintenance fees and a low minimum to open.
What's included
Competitive dividends
Balances earn competitive dividends, so saving is rewarded over time.
No monthly fees
No monthly maintenance fees, ever — more of every deposit stays saved.
Mobile & online banking
Check balances, set goals, and make mobile deposits from anywhere.
Low minimum to open
Get started with just a few dollars — saving should be easy to begin.
Games, calculators & lessons
The app makes money skills fun with age-appropriate, hands-on learning.
A trusted adult, always
Every account has an adult joint holder, keeping young savers safe.
Common questions
A youth account is always opened with a trusted adult as joint holder. They help with setup, can review activity, and keep the account safe while the young saver learns to manage money and builds confidence over time.
No. There are no monthly maintenance fees on youth savings accounts, so more of every deposit goes toward your saver's goals.
Qualifying balances earn competitive dividends — a little extra the savings earn simply for being saved. Rates are variable; see the disclosures below and your account agreement for current rates and terms.
Just a low minimum opening deposit — a few dollars is enough to get started. You can add to the balance any time through mobile or online banking.
Yes. Mobile and online banking include mobile deposit, so you and your saver can add money from anywhere. Mobile deposit may be subject to limits and eligibility — see disclosures.
Important disclosures
Dividends: Dividend rates and annual percentage yields are variable and may change at any time as determined by the credit union. Fees could reduce earnings. Refer to your account agreement and rate schedule for current rates, compounding, and crediting details.
Mobile deposit: Mobile check deposit is subject to eligibility, verification, and deposit limits. Funds availability may be delayed. Standard message and data rates may apply when using the app.
This page is for general educational purposes and is not financial advice. Account opening is subject to approval and identity verification. An adult joint holder is required for all youth accounts.
