START SAVING FOR THE FUTURE!

Open a Youth iSAVE account — a kids savings account — today. 2.40% APY*

Teaching children the value of saving money in a credit union account for kids will help promote financial independence at an early age; and as they grow, their savings will grow with them!

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Their Journey to Financial Independence Starts Here.

Getting Started.

It’s never too early to open a KIDS bank account for your child and begin teaching them the financial skills that will last a lifetime. Our Youth iSave account is a credit union account for kids!

What it means to be a Youth SAVER.

Let’s face it: saving money is no easy task in this spend first world we live in. It’s the discipline to avoid spending when you don’t have the money, making and sticking to a budget, and prioritizing your needs that make you a SAVER. And BHCU respects a SAVER.

BHCU’s iSAVE kids savings account rate is variable, but it is not a “teaser rate.” This is a high-yield savings account designed exclusively as a credit union account for kids that is for BHCU members. In keeping with the intention of being a long-term savings account, each SAVER will earn the highest interest rate if no more than one (1) withdrawal is completed monthly. However, if a SAVER makes more than one (1) withdrawal that account will still receive our highly competitive “Regular Share” interest rate during that month.

If you live in Delaware County, PA, it’s time to open a kids bank account for your child and start them on their financial journey with the help of BHCU! Contact us today to set up their kids savings account today!

ACCOUNT DETAILS

Interest Rate-2.40% APY¹
-Interest is compounded daily and credited monthly
Benefits-No fixed term
-No fees, no minimum balance requirement = no problems
-Interest rate may rise
-24/7 account access
-Insured up to $500,000
-Each member can have multiple Youth iSAVE accounts
Risks-Multiple monthly withdrawals will result in a lower interest rate
-Interest rate may fall
Account conditions²-New money only³
-When member turns 5 it will automatically roll into a Student iSAVE Savings account
-Consumer accounts only
-A Youth iSAVE account does not replace a Regular Share account
Deposits-Max opening deposit cannot exceed $5,000
-Monthly deposits cannot exceed $1,000
Withdrawals-Regular Share rate will be applied for any month in which more than one (1) withdrawal occurs
Eligibility-Exclusive to BHCU members only
-Members Ages Infant-4

¹APY is Annual Percentage Yield and is subject to change after account opening.  APY is effective as of 1/1/2023 for accounts that do not exceed one (1) withdrawal in the month, and meet the account conditions.  ²If any of the account conditions are not met for the month, the APY for the month is adjusted to BHCU’s Regular Share APY.  Monthly deposits exceeding $1,000 will automatically transfer to their Regular Share account.  Failure to comply with the account conditions may result in account closure.  ³New money is money not currently on deposit at BHCU.  Federally Insured by NCUA.

 

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