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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