Growing Up Har-co

From the moment they're born you want what's best for them. We're here to help get you started financially. From saving for their future with exclusive high yield certificate of deposit's (CD) to helping them learn how to save on their own. Wherever life brings your family, grow with Har-co.

Open a youth savings Open a youth CD Open a youth checking

Everything they'll need to grow financially.

Growing up Har-co Savings Account

We'll give you $10 to get your child's account started
An extra birthday gift on top of their birthday deposits - When they deposit $25 or more within 30 days of their birthday, we'll deposit $10 in their savings

Open a youth savings

Growing up Har-co CD

Exclusive 5.50% APY* for 36 months
For children from birth through 19 years old
$5,000 per CD - 5 CDs per child
What is a CD? A type of savings account with a fixed interest rate that’s usually higher than the rate for a regular savings account. A CD also has a fixed term length and a fixed withdrawal date, known as the maturity date.
- Nerd Wallet

Open a youth CD

Growing up Har-co Checking Account

Starting at 16 your child can open a checking
Set up debit card limits and monitor their spending through our app
Access to over 32,000 ATMs with no fees - locate them here

Open a youth checking

*APY = Annual Percentage Yield. Minimum of $100 required to open the account. Maximum is $5,000. APY is accurate as of 3/25/24. 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 Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty.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 36-Month Youth CD at maturity.

Personal finance is important for kids of all ages. From counting money, to learning how to save, to building credit. We've curated fun and engaging games and resources to help your child grow their financial literacy!

Elementary School
World of Cents Game
Note: You will be leaving the Har-co site.
World of Cents is a teaches the value of money through the concepts of earning, saving and spending money, while incorporating basic math concepts. They get to build their own playground, but will have to make sure they have enough money to build it up! Presented by the National Credit Union Association (NCUA).
Your elementary aged kids can also learn from this activity book provided by the Federal Deposit Insurance Corporation here.
Middle School
Lights, Camera, Budget Game
Note: You will be leaving the Har-co site.
Lights, Camera, Budget - provided by Georgia Public Broadcasting Education* - is a fun game where your middle school aged child gets to make their own movie with a set budget. Can they make a blockbuster while staying within budget? Where will the spend their money? How will they save it?
*Har-co is not endorsed or sponsored by Georgia Public Broadcasting (GPB)
High School
Hit the Road Adventure Game
Note: You will be leaving the Har-co site.
You and your friends are going on a cross country trip to Colorado from DC! You’ll need food, gas, medicine and other supplies - which you can get throughout your trip, but prices vary across the country! You’ll also get achievements for viewing different sights. You start out with debt, but that will automatically be paid from your checking each day. Begin the adventure here! Presented by the National Credit Union Association (NCUA).