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Early Saver

Kids Get All the Good Stuff

The Early Saver account at BECU just might be one of the best deals in the country for kids under the age of 18.

  • 6.17% Annual Percentage Yield (APY) on the first $500 in savings
  • No monthly maintenance fees 
  • No minimum balance requirement

Each year, we see new Early Saver accounts being opened in the summer months. Maybe mowing lawns is still a viable way to pay for your first car? Maybe the start of the school year reminds kids (and their parents) that clothes, field trips, movies and sports add up. 

Maybe enterprising young whippersnappers are trying to optimize their allowances through a savings account with one of the highest annual percentage yields in the country. 

Whatever the reason, we love it. It's never too early to learn the value of saving. Early Saver accounts help kids learn about saving money, spending responsibly, and how interest rates help them earn even more.


Kids under the age of 18 are eligible for an Early Saver account. Opening an account is easy and just requires a parent or legal guardian. Kids over the age of 13 can apply online here . If you are under the age of 13, you must enroll in person or by mail. Early Savers earn 6.17% APY on balances up to $500. Balances $500.01 and above receive a rate of 0.10% APY. *

*Rates in effect as of 6/1/16.