Balance Builder Junior Savers
Saving matters.
For kids and teens too!
Questions?
Chat with one of our
checking account experts.
Fewer than half of American teens have savings, and we want to change that. With a Balance Builder Junior Savers account from IHMVCU, you can start saving early and earn 3% APY*. Plus, you'll get rewarded with $50** just for doing the right thing!
Our youth savings account helps set your child on a path to financial confidence and success. Plus it comes with perks along the way:
- Emails with insider tips and updates on your savings progress
- Parent's guides and activity sheet to build healthy saving habits
- 3.00% APY*
* APY = Annual Percentage Yield. Rates valid as of 01/01/25 subject to change. Only minors under the age of 18 are eligible for a Balance Builder Junior Savers account. Must meet monthly requirements ($1 increase over previous month’s balance, excluding dividends) to earn qualified rate of 3.00% APY on balances up to $2,500, otherwise non-qualifying rate applies.
** Bonus offer not valid for current Balance Builder Savings holders. IHMVCU will deposit a $50 bonus into any Balance Builder Junior Savers account (one per SSN) opened on or before 12/31/2025. The account must be open for at least 60 days, have an average daily balance of $50 and be active at the time of payout. Payout will occur within 30 days of meeting eligibility requirements. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable.) Federally insured by NCUA.
