Youth Accounts.

Build their financial foundation. 5% CDs and Amazon gift cards exclusively for students 😮🥳

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Starter Savings Account

When kids open their starter savings account, they will receive a package of fun information that reinforces the saving and spending principles of managing money. To encourage children to save regularly, each time they make a deposit they will be given a reward for being such a good saver.

Smart Cents Account

This account is available to students, ages 12-15. Your middle school student will benefit from this account by continuing to be rewarded for deposits to the account. Every quarter, they will receive a $10 Amazon® gift card with a minimum deposit of $25.00. They will have an opportunity to watch their money grow in a special Certificate of Deposit designed just for them.

This six month Certificate of Deposit has a 5.00% Rate, 5.12% APY*. $100.00 minimum, $1,000.00 maximum to earn APY.*

Independent Student Account

In a continution of the Smart Cents account, your student will be eligible for a special CD and a full service checking account. Students under the age of 18 will require a parent/guardian as joint on the checking account.

The special six month Certificate of Deposit has a 5.00% Rate, 5.12% APY*. $100.00 minimum, $1,000.00 maximum to earn APY.*

*One CD per member. APY=Annual Percentage Yield. 6 month fixed rate term ($100 minimum, $1,000 maximum to earn APY). Rate effective as of 6/1/2021. Rates are subject to change without notice. Dividends deposited directly into CD. Fees may reduce earnings. Penalties apply for early withdrawal. Consult a tax advisor for cash equivalent reward. Ask for complete details.

Have a student attending a private school or daycare?

We offer a K-12 loan for all day cares and accredited private schools like The Highlands School

What do you need to open an account?

  • Child's social security number
  • Parent/Guardian Valid Photo Identification
  • $5 initial deposit
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Interested in saving now? Listen to our financial podcasts.

We're hosting audio podcasts featuring experts across the financial industry to bring high school students tips and tricks for budgeting, financial planning, benefits of renting vs. buying, how to do your taxes, etc. Coming soon!