Smart Start Savings

Start here. Build something that lasts.

Smart Start Savings is the foundation of the Smart Start experience. It helps kids and teens build the habit of saving early, whether it’s for something small today or something bigger down the road.

 For ages 0-18

Start small. Build momentum.

Saving doesn’t have to be complicated. Smart Start Savings is designed to:

• Encourage consistent saving habits
• Help build balances over time
• Support short-term and long-term goals
• Reinforce the value of patience and planning

Account details

Clear, simple, and built to grow with them:

• Minimum to open: $10
• APY*: 3.79%
• Balance tier: Promoted rate applies up to $10,000
• Access: Easy transfers through online and mobile banking
• Fees: No monthly maintenance fee

Features that support growth

• Earn dividends on balances
• Easy ways to add money over time
• No unnecessary complexity
• Designed to grow with them as their goals evolve
   

The foundation for what’s next

Saving is where strong financial habits begin. Once that foundation is in place, adding everyday spending becomes a natural next step.

Add SmartStart Spending when they’re ready

Pair Smart Start Savings with Smart Start Spending to introduce real-world money management while continuing to build savings.

APY=Annual Percentage Yield. A minimum deposit of $10 is required to open the account. Rates are variable and may change at any time after account opening. The stated APY applies to balances up to $10,000; balances above $10,000 may earn a different rate. Dividends may be withdrawn at any time. Fees, if any, may reduce earnings. Membership eligibility required. Smart Start Savings is available for youth ages 0–18. Members 18 and under must open the account with a parent or legal guardian. Upon reaching age 19, the account will automatically transition to a Statement Savings Account.