Harvest Savings for Kids
With the Harvest Savings Account, kids can learn the value of saving for the future and earn at the same time. It’s the start of a financial journey that can benefit them for a lifetime!
Harvest Savings Account
Start your kids on the right track with a Harvest Savings account. Besides earning an incredible rate of 5.00% APY,* you can teach your kids how to set savings goals and make deposits, so they can watch their savings grow!
- High-interest rate on balances up to $5,000. Variable-tiered rate, thereafter.
- $100 minimum to open
- Immediate access to funds
- No monthly fee*
- Must register & use Online/Mobile Banking
- One Harvest Savings account per member
*Terms and Conditions apply.
Variable-Tiered Rate
Each tier will accrue interest at its respective rate.
| Tier | Interest Rate |
|---|---|
| $0-$5,000 | 5.00% APY |
| $5,001-$10,000 | 2.50% APY |
| $10,000+ | 0.10% APY |
Calculate earnings with our Harvest Savings Calculator!
Reasons to Save
Easy to Start Savings
Open an account with as little as $100.
Earn Money on Your Money
Teach kids they can earn interest while saving to maximize their savings.
Good Habits
Help kids learn to save for the things they want, like a new bike or game system.
Legacy for Success
Prepare kids for adulthood and their own family’s future.
Harvest Savings Calculator
Discover how to reach your savings goal with the calculator below.
Terms & Conditions
*Harvest Savings for Kids: APY = Annual Percentage Yield. APYs are accurate as of 05/09/2025 and are subject to change without notice. Fees may reduce earnings. $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member.
1. Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,001-$10,000 will earn the lower dividend rate of 2.50% APY. Balances $10,001+ will earn the dividend rate of 0.10% APY.
Note: To open an account for a minor, the Custodian must be a member and the minor must meet eligibility requirements.
Must submit Transfer to Minor form with application. All accounts for minors are opened under CUTMA, the California Uniform Transfers to Minors Act. CUTMA allows an adult to act as the custodian of property for a child.