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Youth Accounts

Bright future, here we come

Designed to help our youngest members build a bright financial future, from savings and checking accounts to student loans and more.

Youth Savings Accounts

Start building your financial future with a savings account that will help you work towards your financial goals.

  • Checking and Credit privileges (with parent co-signer if under age 18)
  • Youth Certificates
  • SmartSaver Youth Certificate
Open a Youth Account Online

Youth Certificates

Start a saving habit now that will pay off later. To help you reach your goals we’ve lowered the opening deposit amount and allow funds to be added to help increase certificate savings.

When you open a certificate of deposit you set aside money for a set period of time and agree to not use it, in exchange we give you a guaranteed rate of return.

Reach your savings goals over time with a guaranteed rate.

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Youth Certificates

Reach your savings goals over time with a guaranteed rate.

Our youth certificates of deposit offer competitive rates to members under the age of 22, feature a lower opening deposit amount, and can be added to in $100 increments up to $500/month without changing your rate!

OPEN A YOUTH ACCOUNT

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SmartSaver Certificate

Earn competitive dividends that mature on your 18th birthday. Only a $100 opening deposit, and add to the account in $100 increments up to $1,000 maximum.

To find out more contact us.

Help Me Choose

  • Best if you want

    Best if you want

  • Opening Deposit

    Opening Deposit

  • Monthly Dividends

    Monthly Dividends

  • Monthly Fee

    Monthly Fee

  • Features

    Features

Youth Savings Account

  • Best if you want

    Start here & begin working on savings goals with a Primary Savings account

  • Opening Deposit

    $5

  • Monthly Dividends

  • Monthly Fee

    $0

  • Features

    Access your money at any time while earning interest

Youth Certificate of Deposit

  • Best if you want

    Grow your savings over time with a guaranteed rate

  • Opening Deposit

    $100

  • Monthly Dividends

  • Monthly Fee

    $0 (early withdrawal penalty applies)

  • Features

    • Available until age 22
    • Variety of terms and rates
    • May be added to in $100 increments, up to $500 per month

SmartSaver Certificate of Deposit

  • Best if you want

    Grow your savings with a guaranteed higher interest rate until age 18

  • Opening Deposit

    $100

  • Monthly Dividends

  • Monthly Fee

    $0 (early withdrawal penalty applies)

  • Features

    • Dividends grow from opening until age 18
    • May be added to in $100 increments, up to $1,000 maximum
Primary Savings
Primary Savings

Deposit Amount

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 22, 2018.

Deposit Amount

$5

Dividend Rate

0.05%

APY1

0.05%

Youth Certificate of Deposit1
Youth Certificate of Deposit1

Term

Dividend Rate

APY2

1 $100 Minimum Balance. May be added to in $100 increments up to $500 per month.
2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts.

The rates and terms shown are effective as of July 3, 2024.

Term

6 months

Dividend Rate

4.89%

APY2

5.00%

Term

12 months

Dividend Rate

4.46%

APY2

4.55%

Term

24 months

Dividend Rate

4.12%

APY2

4.20%

Term

36 months

Dividend Rate

3.69%

APY2

3.75%

Term

48 months

Dividend Rate

3.64%

APY2

3.70%

Term

60 months

Dividend Rate

3.54%

APY2

3.60%

SmartSaver Certificate of Deposit
SmartSaver Certificate of Deposit

Term

Dividend Rate

APY1

Info

1 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. $100 minimum deposit, may be added to in $100 increments up to a $1000 maximum deposit.

The rates and terms shown are effective as of May 1, 2024.

Term

up to 18 years

Dividend Rate

4.89%

APY1

5.00%

Info

for children 0-18, limit one per child

Open a Savings Account

Ready to start saving?

Age 12 – 18
You can open your own savings account – visit our online application then select application type: Individual Membership.

Age 12 or Under
Parents and caretakers, you can help establish an account for your child and have access to help them manage it by selecting the application type: Joint Membership.

To Open a Certificate
Let us know in the application comment section the type of certificate you’d like to open, Youth, or SmartSaver. An individual who is 18+ must be joint on all certificates.

Unsure what kind of membership you want or need?  Give us a call at 406-523-3300 or chat with us online.  We can help you decide.

Please have the following items ready:

  • Photo ID
    If 18+ a valid driver license, state ID, passport, or permanent residence card (you may be asked to provide more than one photo ID to confirm your identity).
  • Social Security Number
    We use this to identify you and to look up your checking account history if applicable.
  • Opening deposit
    For the type of account you want to open
    (different accounts require different opening deposit amounts).

Financial Education Resources

Financial Education Center

Get prepared for tomorrow’s financial challenges today, explore our financial education tools.

Request a speaker

From classrooms to Zoom, we have a team of co-workers who can cover a variety of real-world scenarios on a range of topics from savings, budgeting, loans, understanding credit, or even more about values-based banking.

We’ll work together to customize a presentation to fit your time and needs.

Pay for School

Whether you’re looking at college or one of our alternative education lending programs, we have resources to help you fund your education.

Explore our student loans, scholarship info, alternative education loans, financial counseling, and more.

Save for a Bright Future

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View Disclosures

* Subject to qualification and annual credit review.