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
*Subject to qualification and annual credit review.
Open a Youth Account OnlineYouth 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.
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!
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
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Best if you want
Best if you want
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Opening Deposit
Opening Deposit
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Monthly Dividends
Monthly Dividends
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Monthly Fee
Monthly Fee
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Features
Features
Youth Savings Account
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Best if you want
Start here & begin working on savings goals with a Primary Savings account
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Opening Deposit
$5
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Monthly Dividends
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Monthly Fee
$0
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Features
Access your money at any time while earning interest
Youth Certificate of Deposit
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Best if you want
Grow your savings over time with a guaranteed rate
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Opening Deposit
$100
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Monthly Dividends
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Monthly Fee
$0 (early withdrawal penalty applies)
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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
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Best if you want
Grow your savings with a guaranteed higher interest rate until age 18
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Opening Deposit
$100
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Monthly Dividends
-
Monthly Fee
$0 (early withdrawal penalty applies)
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Features
- Dividends grow from opening until age 18
- May be added to in $100 increments, up to $1,000 maximum
|
Term |
Dividend Rate |
APY2 |
|---|---|---|
|
1 $100 Minimum Balance. May be added to in $100 increments up to $500 per month. The rates and terms shown are effective as of July 3, 2024. |
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|
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% |
|
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
Join Clearwater online, stop by a local branch, or call us at 406-523-3300.
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.
