Youth Smart Savings 

Kickstart your child's journey to financial success.
No Monthly Service Fees
Earn competitive dividends on every dollar
Financial Education for Youth

Secure Your Child's Financial Future

With a Youth Smart Savings account you can empower your child to learn the valuable lessons about responsibility, goal-setting, and the power of saving for things that matter most to them. Help your child kickstart their financial future and save for small or BIG goals. Visit your local branch to open a new account.
  • Minimum to open $1.00
  • Earn a generous 5.00% APY1 on balances up to $500
  • Deposit $50 within 50 days of account opening and we'll match $502
  • Access funds through Online Banking, our Mobile App, Premier America branches and ATMs (Must be over age 13 to sign up for Online Banking)
  • Withdrawal restrictions3 apply
To open a new account, visit your local branch with your child's birth certificate or school ID and social security card.

Youth Smart Savings Dividend Rates

Balance Range APY1/ Rate
*For example, if you had $1,500.00 in your account on the first of the month and did not make any deposits or withdrawals during the month, your blended rate would be 3.33% APY, with dividends earned of $4.10. Example is for illustrative purposes only. 
Deposit $50 within 50 days of account opening and we'll match with $50.
Financial resources dedicated to parents.
Featured Blog Article
Teaching Kids Under 13 The Value of Saving and Setting Financial Goals
1APY = Annual Percentage Yield. Rates effective as of May 1, 2024. APY, Rate, and Terms are subject to change without notice. The Youth Smart Savings Share is a membership share to join Premier America Credit Union. To open, you must have the child’s birth certificate and social security card. A minimum deposit of $1.00 to open the account is required. Rate tiers are based on account balance, $0-$499.99: 5.00%, $500-$1,999.99: 2.50%, $2,000.00 and above: 0.50%. Membership eligibility is required and subject to approval.2To qualify for the $50 Youth Smart Savings Cash Bonus, $50 in total must be deposited into the new savings share within 50 days of opening. After 50 days, if the account is in Good Standing and has received at least a $50 deposit, a $50 deposit will be made into the Youth Savings Share by Premier America. Converted Smart Savings shares are not eligible. Bonus may be subject to IRS tax reporting and member may receive a tax form from Premier America. Offer subject to change or end without notice. Offer may be combined with other offers at the sole discretion of Premier America Credit Union. 3You may not make more than six (6) withdrawals or transfers to another Credit Union account you own or to a third party by means of a preauthorized or electronic transfer or telephonic order or instruction during any calendar month. If you exceed the transfer limitations set forth above, we may close your account, convert it to a checking account, or restrict access.