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Let kids be kids, but give them a head start on grownup security. Open our Kids Time Deposit Account in a child or grandchild's name with any amount. The full balance earns investment-level interest.

More deposits can be made at any time, but funds are not available for withdrawal until the child's 18th birthday. Open an account today; from infant to toddler to teen, it makes a meaningful birthday gift.

  • Available to young savers up to 18 years old
  • Competitive interest on entire balance
    • Minimum interest rate of 3.50% APY*
    • Interest compounds annually at child's birthday
  • No monthly service charge
  • No minimum balance requirements
  • Account is in the child's name
  • Deposits can be made at any time
  • Maximum of $10,000 in total deposits annually
  • Account matures on child's 18th birthday
  • Withdrawals are not permitted prior to maturity
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • $10 minimum deposit to open


*The interest rate adjusts annually on the child's birthday. The rate is 2% over the 1-year U.S. Treasury rate. There is a floor (lowest rate) of 3.50% APY (Annual Percentage Yield). There is no ceiling (highest rate).