Monty Moose Youth Account
Why wait to plan for the future when it's so easy to start now? Teaching your kids sound financial principles from day one.

It's never too early to start saving.
With just $5, you can open a youth savings account for a little one today, helping them start earning monthly dividends before they're even out of diapers! Our youth savings account is designed for kids ages 12 and under, with fun motivators like annual birthday rewards to encourage saving. You can even set up automatic deposits to help their savings grow effortlessly. Plus, when your child turns 13, their account will automatically convert to a Prime Savings account, keeping their savings journey going.
Getting started is easy—just bring a copy of the child’s birth certificate and a Social Security card OR a U.S. Passport book or card!
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No monthly service fee
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Monthly dividends earned once balance reaches $25
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Annual birthday rewards
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Auto-conversion to Prime Savings at age 13
Simply the best financial institution around.
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Rates
Savings Account Rates
Account Type | Dividend Rate | APY* |
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Prime Savings |
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Custom Savings |
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Monty Moose |
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Christmas Club |
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Super Saver Tier I
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Super Saver Tier II
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Acadia Star Money Market Tier 1
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Acadia Star Money Market Tier 2
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Acadia Star Money Market Tier 3
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Acadia Star Money Market Tier 4
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Health Savings Account (HSA) |
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HSA Super Saver Tier 1
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HSA Super Saver Tier 2
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Rates effective as of: April 8, 2025
*APY = Annual Percentage Yield. All rates are subject to change without notice.
†When qualification and minimum balance requirements are met
**Super Saver, Acadia Star Money Market, and HSA Super Saver accounts are compounded daily and credited monthly. These are "Tiered Rate" accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.
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