Youth Banking

Open an Account**

Early Saver

account rates

APY Effective 5/1/2017*

6.17
%
APY

Early Saver

Up to $500

0.10
%
APY

Early Saver

$500.01+

See Account Disclosure for details

Your Banking Relationship Starts Here 

Teaching kids how to save is easy with our Early Saver account, designed especially for members age 17 and under. It helps kids learn about saving money, spending responsibly, and how interest rates help them earn even more.

Early Saver account

By opening an Early Saver Savings account**, your child can become a BECU Member, and start earning competitive interest rates. When they join, they'll get premium rates on their first $500 in deposits.

Free checking

Our free checking accounts have no minimum balance requirements and no monthly maintenance fees. Kids (and parents) can access accounts for free from almost anywhere, with an optional Debit Mastercard®, telephone banking, ATMs, and Neighborhood Financial Centers. 

When those with Early Saver accounts turn 18, they can easily convert their account to a Member Advantage account, to earn premium rates on checking and savings.

EARLY SAVER SAVINGS CHECKING
HIGHER RATE ON FIRST $500
N/A
BETTER RATES ON OTHER PRODUCTS
N/A
N/A
MONTHLY FEE TO MAINTAIN ACCOUNT 1
$0
$0
MINIMUM BALANCE
$0
$0
FREE ONLINE BANKING 2
FREE ESTATEMENTS 2
FEDERALLY INSURED UP TO $250,000 3
DEBIT CARD WITH FRAUD MONITORING PROTECTION
N/A

(1)To open a Checking Account, you must establish membership by opening a Member Share Savings, Member Advantage Savings, or if under 18 years old, an Early Saver Account.

(2)Online Banking and eStatements are not available to anyone under 13 years old, eligibility and benefits subject to change.

(3)Based on account ownership status and account type.

Save, Share, Spend

Reinforce 'Save, Spend, Share'

Time to divvy up the allowance

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings. An Early Saver account is required to establish membership. Balances $500.01 and above receive a rate of .10% APY. See Account Disclosure for details.

**Must have a parent or legal guardian on account. If you are under the age of 13, you must enroll in person or by mail.