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Kids Savings
Help your children build smart savings habits from the very beginning.
Kids Savings
Start smart saving habits early with an HRCU kids account built just for ages 0–12.
Features:
Ready to get started? Bring your child and their Social Security number to any HRCU branch to open a Kids Savings account today.
i$ave Certificate of Deposit (CD)
Grow your child's savings the smart way—with guaranteed returns and just $100 to start.
How it works:
Ready to open an i$ave CD for your child? Bring your child and their Social Security number to any HRCU branch to open a certificate today.
Kids Savings
Effective Date: 10/12/2026
| Minimum Balance | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $5-1,000 | 4.89% | 5.00% | $5 |
| $1,000+ | 0.05% | 0.05% | $1,000+ |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
i$ave Certificate of Deposit (CD)
Effective Date: 10/12/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $100 ($10,000 maximum) | 1.34% | 1.35% | $100 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
Grow your money smarts!
Resources to Help Your Kids Start Saving
There’s no better time to teach your child the value of saving and smart money habits. Explore these tools to support their financial journey:
Downloads:
Helpful Links:
Have questions? We’re here for you! Contact the HRCU team anytime for guidance on helping your child build a strong financial future.
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