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SmartStart Savings

With the SmartStart Savings Account, kids can learn the value of saving for the future.  It’s the start of a financial journey that can benefit them for a lifetime!

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SmartStart Savings Account

Start your kids with our a simple SmartStart Savings account. Help your kids set goals, make deposits so they can watch their savings grow!

  • $25 to start
  • No monthly fee
  • Earns interest 

Please print an application to open accounts for minors (age 18 and under).

  • Minimum to Open: $25
  • APY*: 0.10%

Reasons to Save

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Easy to Start Savings

Open an account with as little as $25.

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Earn Money on Your Money

Teach kids they can earn interest while saving to maximize their savings. 

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Good Habits

Help kids learn to save for the things they want, like a new bike or game system. 

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Legacy for Success

Prepare kids for adulthood and their own family’s future. 

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Savings Goal Calculator

Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.  


Terms & Conditions

APY = Annual Percentage Yield. APYs are accurate as of  09/27/2022 and are subject to change without notice. 

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.