Youth Checking & Savings Accounts

Habits start young. That's why Kitsap Credit Union offers special programs for our younger members that work to help them discover what's possible. Whether they're in diapers or are about to leave the nest, our account options help kids and teens learn the values of saving and responsible spending.

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Accounts That Grow With Your Child

 


Teen Accounts Designed Just for Them

Getting started with money shouldn’t be complicated—and with Launch! accounts, teens have everything needed to build smart financial habits early. Designed specifically for ages 13–17, Launch! Savings makes it easy to grow money with competitive monthly dividends and no monthly service fees. Launch! Account adds everyday flexibility with online banking, mobile check deposit, and simple money management tools. Valid social security number is required for both parent and child to open an account.

  • Launch! Account


    Only members with a Launch! Savings may open a Launch! Account. A parent or guardian must be the account’s co-owner. Visit a branch to get started.
    Find Nearest Branch

  • Launch! Savings

    • Teens 13-17 Can Open Accounts.
    • No Monthly Service Fee.
    • Competitive Dividends – Earned Monthly.
    • Easy Account Management via Online Banking & Mobile Banking.
    • Funds Federally Insured by NCUA.

    To open an account, teens must live, work, worship, or go to school in the state of Washington. A parent or guardian must be on the account as a co-owner.
    Find Nearest Branch

Rates and Terms

 



For Children 12 and Under

Helping kids build smart money habits starts early—and Kids Club Savings makes it simple and rewarding. Designed for ages 12 and under, this account encourages saving with competitive monthly dividends and no monthly service fees, so every dollar can grow. With just a $5 average daily balance to start earning, plus easy account opening alongside a parent or guardian, kids get a safe, NCUA-insured place to learn the basics of saving while building confidence for the future. Valid social security number is required for both parent and child to open an account.


  • Kids Club Savings

    • Young People 12 & Under are Eligible. 
    • No monthly service fee.
    • Competitive Dividends – Earned Monthly. 
    • $5 Average Daily Balance to Earn Dividends.
    • Free Gift Upon Opening Account. 
    • Funds Federally Insured by NCUA.
    To open an account, a parent or guardian must visit a branch and be the account’s co-owner.
    Find Nearest Branch

Rates and Terms


 



Youth Saver Certificates

Our Youth Saver Certificate is specifically designed for young savers with just a $100 minimum opening balance, a competitive interest rate, and allows for additional deposits to help encourage saving. Help a child you care about to start their journey toward building good financial habits by opening a Youth Saver Certificate today. Visit a branch to get started!

  • Must be under age 21 to open.
  • Add-on allows for deposits at any time.
  • $100 Minimum opening.
  • If under 18, have to open with a parent or guardian in branch.
  • View your balance anytime via Online Banking and Mobile Banking.
  • Funds Federally Insured by NCUA.
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Term APY *
Youth Saver Certificates

$100 Minimum opening balance 
Must be under age 21 to open
Youth Certificates allow additional deposits
12 Month Youth Saver Certificate 3.00%
6 Month Youth Saver Certificate 2.70%

Find Nearest Branch

Youth Accounts Designed Just for Them

  • Launch! Account


    Only members with a Launch! Savings may open a Launch! Account. A parent or guardian must be the account’s co-owner. Visit a branch to get started.
    Find Nearest Branch

  • Launch! Savings

    • Teens 13-17 Can Open Accounts.
    • No Monthly Service Fee.
    • Competitive Dividends – Earned Monthly.
    • Easy Account Management via Online Banking & Mobile Banking.
    • Funds Federally Insured by NCUA.

    To open an account, teens must live, work, worship, or go to school in the state of Washington. A parent or guardian must be on the account as a co-owner.
    Find Nearest Branch

  • Kids Club Savings

    • Young People 12 & Under are Eligible. 
    • No monthly service fee.
    • Competitive Dividends – Earned Monthly. 
    • $5 Average Daily Balance to Earn Dividends.
    • Free Gift Upon Opening Account. 
    • Funds Federally Insured by NCUA.
    To open an account, a parent or guardian must visit a branch and be the account’s co-owner.
    Find Nearest Branch
Rates and Terms