Youth Super Saver
A first savings account for kids and teens, with birthday rewards and a rate that grows as the balance does. Every journey has a beginning.
See Current Rates for today’s figures.
Where Saving Habits Start
Youth Super Saver is built for children and teenagers learning what saving feels like. There is no minimum balance, the rate increases as the balance grows, and there are rewards along the way, including a gift at opening and a credit every birthday.
What You Should Know
Start With One Cent
No minimum balance requirements, so you can start with as little as $0.01.
A Gift at Opening
Receive a gift at the time of account opening.
$5 Birthday Credit
Earn a $5 birthday credit each year.
Financial Literacy Rewards
Receive rewards for completing Waypoint financial literacy programs.
Competitive Rate
A competitive rate to help the balance grow.
NCUA Insured to $250,000
Deposits are NCUA insured up to $250,000.
What You Will Need
- Opened with a parent, grandparent, or guardian
- The child’s Social Security number
- The child’s date of birth
- A copy of a birth certificate or state-issued ID. Open to members under the age of 18.
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Nonprofit Money Market
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
APY = Annual Percentage Yield. Rates effective 16 September 2026 and subject to change without notice. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit.
Open an AccountView all savings and deposit account rates
| Account Type | APY | Minimum Required Balance |
|---|---|---|
| Share Savings | 0.05% | N/A |
| Share Club | 0.05% | N/A |
| Health Savings | 0.25% | N/A |
| IRA Share | 0.10% | $50 |
| Youth Super Saver | 3.00% | N/A |
| Kasasa Saver: Qualified, below cap | 3.00% | N/A |
| Kasasa Saver: Qualified, over cap | 1.50% | $50,000 |
| Kasasa Saver: Non-qualified | 0.05% | N/A |
| Kasasa Cash: Qualified, below cap | 3.50% | N/A |
| Kasasa Cash: Qualified, over cap | 0.30% | $10,000 |
| Kasasa Cash: Non-qualified | 0.05% | N/A |
| Nonprofit Money Market: Tier 1 | 0.30% | N/A |
| Nonprofit Money Market: Tier 2 | 3.00% | $10,000 |
| Nonprofit Money Market: Tier 3 | 3.50% | $100,000 |
| Money Market: Tier 1 | 0.10% | $2,000 |
| Money Market: Tier 2 | 0.15% | $25,000 |
| Money Market: Tier 3 | 0.20% | $50,000 |
| IOLTA Checking | 0.75% | N/A |
| Check 24 | 3.00% | N/A |
Common Questions
The child’s Social Security number, the child’s date of birth, and details for the parent, grandparent, or guardian opening it with them.
One cent. There is no minimum balance requirement.
A Youth Super Saver converts to a Share Savings account at 18.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
Federally insured by NCUA up to $250,000.
APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026, are variable, and may change after the account is opened. Fees may reduce earnings.
Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.
Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.
Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.