Youth Accounts
Saving Made Simple for Kids & Teens
Give your child a head start on their financial journey! Our Youth Savings Account makes it easy for kids and teens to build smart money habits while parents or guardians can conveniently help manage the account. Plus, they'll enjoy great benefits along the way!
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Great Features for Young Savers
$5 TO GET STARTED
A $5 deposit is all your child needs to open a youth savings account.
Save Smart, Start Early
Help your child build strong savings habits, whether for the future or a goal.
Learn and Grow Financially
A youth savings account introduces your child to banking and its perks.
Member Perks For Life
As a member, opening your kids an account helps set them up for a bright financial future.
Which Youth Savings Account Is Best for Your Child?
Sammy Star Savers Club Account
Help your child start saving early with the Sammy Savers account!
- For kids under 13 – Start saving with just $5
- Fun rewards – Each deposit earns a chance to win in the monthly drawing
- Money-smart tips – Get a quarterly Sammy Newsletter with fun activities
Start their savings journey today!
For Young Investors (FYI) Club Account
Help your teen build smart money habits with the FYI Club savings account!
- For ages 13–17, start saving with just $5
- Checking + debit card to learn money management (optional)
- At 18, their account upgrades to full membership, unlocking more benefits
Youth Share Certificate
Help your child start investing with a Youth Share Certificate.
- Start with just $250 – Set a strong financial foundation
- Competitive rates – Watch their savings grow
- Safe & secure – A risk-free way to teach financial responsibility
Rates That Help Young Savers Grow
Youth Share Account
Fixed Rate
6-Mos Youth Share Certificate
Fixed
12-Mos Youth Share Certificate
Fixed
Where Members Connect & Stories Inspire
More Paths to Financial Growth
Share Certificates
Secure Your Savings, Maximize Your Earnings
Grow your savings faster with a Share Certificate! With as little as $500, you can lock in higher returns, enjoy flexible terms, and watch your money grow predictably. Want to earn more?
Rewards Checking Account
Checking That Pays You
Get rewarded for everyday spending with a Rewards Checking! Earn a high-yield rate, pay no monthly fees, access your paycheck early, and enjoy 30,000+ fee-free ATMs nationwide. Ready to start earning more?
WealthMatters
Learn. Grow. Build Confidence.
Take control of your finances with quick, interactive lessons! Learn to save smarter, budget better, and plan for the future—all at your own pace. Ready to make smarter money moves?
*APY = Annual Percentage Yield.
1Youth Savings Accounts are variable rate accounts that use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. A minimum balance of $5.00 is required to keep the account open. An adult member of CommonWealth must be joint on the account.
2Youth Share Certificate use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account.
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