

Kid's Savings Account
Account Features
Earn 0.10% APY1
For Kids Ages 0 to 12
No Maintenance Fees
$25 Opening Deposit
How it Works
Earn 0.10% APY1 on a balance of $100 or more with the Kid's Savings account. Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App.
Minimum Opening Deposit
$25
Transaction Limits
You can make three (3) withdrawals each statement cycle for free. Any excess withdrawal will incur a fee2.

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Account Type | Summary | Minimum Opening Deposit | APY* | Fees |
---|---|---|---|---|
High Yield Savings |
24/7 access to funds, no maintenance fees, access to funds with 3 free withdrawals per month
|
$10,000 | 0.60% on $10,000 or more | None |
Money Market |
Low minimum opening deposit, tiered interest rate, access to funds with 6 withdrawals per month
|
$1,000 |
$1,000-$9,999.99: 0.10%
$10,000 & up: 0.10%
|
$10 per month if minimum balance of $1,000 is not maintained |
60 Month Certificate of Deposit |
Low risk, interest rate compounded daily
|
$2,500 | 1.30% | Interest penalty may apply for early withdrawal |
Christmas Club |
Withdrawals not allowed until funds are transferred into Prize Savings in early November
|
$100 | 0.10% | Early closure fee |
Prize Savings |
Earn cash and prizes during weekly, monthly, and an annual grand prize drawing
|
$25 | 0.10% | $5 per month if minimum balance is not maintained and no other loan or deposit relationship exists. |
Individual Retirement Savings |
Save for retirement with a Traditional IRA or Roth IRA
|
$100 | 0.10% | None |
Special Savings |
Use to separate your funds for special purposes. Login to Online Banking to open online
|
$25 | 0.10% | None |
Kid's Savings |
For kids ages 0 through 12
|
$25 | 0.10% | None |
*APY = Annual Percentage Yield

Frequently Asked Questions
1APY = Annual Percentage Yield. Fixed interest rate at 0.10%. Rate effective November 1, 2020 and is subject to change after account opening. $25 minimum deposit required to open account. Minimum balance to earn dividend is $100.
2More than three (3) withdrawals per month will result in a fee. Please see the Rates & Fees page for details.
View the Truth-In-Savings Disclosure.