Youth Accounts

Starting good saving habits at a young age increases a person’s chances of being financially successful in the future.

Kickstart Kids: Ages 0-3 years

Give their savings a kickstart! All youth accounts receive a 1.00% APY*, so why not take advantage of that as long as you can? Start a solid foundation for your child to build on as they grow. You can even pick up a cute little onesie or tiny t-shirt when you open your account.

Super Savers: Ages 4-12 years

Stuffing your piggy bank is pretty cool, but stuffing your savings account gets you rewards! Super Savers receive Junior Owner Dollars for depositing money into their account. These Junior Owner Dollars can then be used to buy cool prizes in-branch! Plus, all that money you’re depositing into your account earns a 1.00% APY* until you turn 18.

Junior Owners: Ages 13-17 years

You’re approaching financial independence – which is both exciting and terrifying, we know. You can make this a little less scary by saving for your future! As you’re taking on more chores, cutting more lawns or accepting your first part-time job, stuff your savings with each paycheck you get. You worked hard for that money, now make it work hard for you with a 1.00% APY*. You’ll even get a cool t-shirt when you open your account.

*Annual Percentage Yield

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Youth Account Rates

Effective Date: Saturday, December 21st, 2024

Account	Dividend Rate	APY**
Youth Shares- up to $2,500	1.00%	1.00%
Youth Shares – over $2,500	0.05%	0.05%
Maintenance or activity fees could reduce earnings on the account. *APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Account

Dividend Rate

APY**

Youth Shares- up to $2,500

1.00%

Youth Shares – over $2,500

0.05%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

Youth Accounts

Junior Owner Savings Program

Kickstart Kids: Ages 0-3 years

Super Savers: Ages 4-12 years

Junior Owners: Ages 13-17 years

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