Kids Savings Account

Establishing good savings and spending habits in children.

Account Features

Earn 0.15% APY¹

For Kids Ages 0 to 12

No Maintenance Fees

$25 Opening Deposit

How it Works

Earn 0.15% APY¹ on a balance of $100 or more. 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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Compare Accounts

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 Learn More	$10,000	1.70% on $10,000 or more	None
Money Market	Low minimum opening deposit, tiered interest rate, access to funds with 6 withdrawals per month Learn More	$1,000	$1,000-$9,999.99: 0.15% $10,000 & up: 0.20%	$10 per month if minimum balance of $1,000 is not maintained
60 Month Certificate of Deposit	Low risk, interest rate compounded daily Learn More	$2,500	2.00%	Interest penalty may apply for early withdrawal
Christmas Club	Withdrawals not allowed until funds are transferred into Prize Savings in early November Learn More	$100	0.20%	Early closure fee
Prize Savings	Earn cash and prizes during weekly, monthly, and an annual grand prize drawing Learn More	$25	0.15%	$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 Learn More	$100	0.15%	None
Dedicated Savings	Use to separate your funds for special purposes. Login to Online Banking to open online Learn more	$25	0.15%	None
Kids Savings	For kids ages 0 through 12 Learn More	$25	0.15%	None

Kasasa Cash Back Checking

Earn cash back rewards with no minimum balance.

Cash back Details

Frequently Asked Questions

How will my interest be calculated?

Interest is compounded monthly.

¹APY = Annual Percentage Yield. Fixed interest rate at 0.15%. Rate effective December 1, 2019 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.