Youth Savings Accounts

Bright future, here we come

Our youth accounts are designed to help our youngest members build a bright financial future. From basic money concepts to teaching real-world skills, our youth accounts and programs can help them prepare for independence.

Savvy Saver Program (age 0-11)

Start building your child’s financial savvy in a fun, age-appropriate program that encourages them to learn the basics about money.

  • Frequent depositor program with fun prizes
  • Access to our SmartSaver Youth Certificate with a great rate

MyMoney Program (age 12-15)

MyMoney members move up to more advanced skills as they learn to manage their own money with seminars geared toward teens.

  • Frequent depositor program with drawings for $25 and $50 Visa Gift Cards
  • Access to free financial literacy modules online, developed with a teen’s needs in mind
  • Access to our SmartSaver Youth Certificate with a great rate

Financial Freedom Program (age 16-22)

Designed for members who are finding their independence, this program focuses on life skills — like how to budget, save, choose a credit card, and manage payments.

  • Educational seminars
  • Eligibility for checking and credit privileges with parent co-signer if under age 22
  • Quarterly subscription to The Money Side of Life, written by young adults about saving, budgeting, and investing
  • Access to our SmartSaver Youth Certificate with a great rate

Open a Youth Savings Account

To enroll your child in a savings account, join online, visit any branch or contact us at (406) 523-3300.

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SmartSaver Youth Certificate

With our SmartSaver Certificate, your child can earn competitive dividends that mature on their 18th birthday — and before they can access those funds, they’ll need to complete a series of seminars on budget basics, draft accounts, auto loans, and credit cards.

  • Minimum balance $100
  • 5.00% APY
  • Maximum amount $1,000
  • May be added to in $100 increments, up to $500/month
  • Dividend rate reduced to 1.00% retroactively if funds are withdrawn before maturity date and/or if education requirements are not complete by maturity date.

Get started

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SmartSaver Youth Seminars

Ready to complete the required courses to access your SmartSaver funds?

Register online below, and we’ll email your student credentials — along with instructions for the Financial Education site MoneySKILL, where you’ll find interactive financial literacy modules designed specifically for youth.

Register for youth education

Youth Savings Rates

Basic Share (Savvy Saver, Financial Freedom, MyMoney)
Basic Share (Savvy Saver, Financial Freedom, MyMoney)

Deposit Amount

Dividend Rate


1 APY = Annual Percentage Yield.

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

Deposit Amount


Dividend Rate




See all savings rates

Thinking about your options for college?

Don’t let gaps in federal funding keep you from getting your education — check out our Student Choice Private Lending Solution. Interested in alternative programs? We partner with Montana Code School, Rocky Mountain School of Photography, and the Missoula College CDL program to help you pursue your goals.

Explore your education options

Got Ideas?

If you have any feedback on other ways we could better serve our youngest members and help them gain financial competency, we’d like to hear from you!

Contact us

Save for a Bright Future

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* Subject to qualification and annual credit review.