Youth Accounts.

Build their financial foundation. 5.50% APY CD for 6months and Amazon gift cards exclusively for kids 😮🥳

Open a Youth CD OnlineOpen an account online
*APY = Annual Percentage Yield.  Minimum of $100 required to open the account.  Maximum is $5,000.  APY is accurate as of 9/1/23.  APY assumes principal and interest remain on deposit of the full term at the quoted rate.  Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.  Interest earned may be withdrawn at any time without penalty.  Interest is compounded and credited monthly.  If CD is closed before the accrued interest is credited, accrued interest will not be paid.  CD will automatically renew at the rate being offered for the 6-Month Youth CD at maturity.  HAR-CO Credit Union reserves the right to change or terminate this limited-offer at any time without prior notice.
Starter Savings Account
Ages 0-11

Perfect way to make saving fun and teach kids the basics of managing money.

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Smart Cents
Ages 12-15

Teach your child the fundamentals of saving as they get rewarded with a $10 Amazon gift card quarterly!

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Independent Student
Ages 16-19

Take advantage of our great rates today! We're here to help with all of your questions.

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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.

Independent Student Account

In a continuation 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.

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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