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Youth Savings

From diapers to the school dances

We can’t save you from teething pains or tween angst, but we can help you teach your child the value of saving money with accounts designed for children ages 0 to 12.

Start Small + Grow Strong

Addition Financial’s Youth Savings account will encourage young members to begin saving and developing good money habits from an early age. Helping your child learn the skills that lead to financial independence sets them up for lifelong success.

Additional Features and Benefits

Your child’s best financial future begins with opening a Youth Savings account. As grandparents’ gifts and lemonade stand incomes turn into part-time jobs and saving for goals, Addition Financial membership grows with your child and rewards them for saving.

  • 3% earned quarterly on net new deposits with maximum incentive earned not to exceed $100 each quarter*
  • $25 welcome deposit**
  • No restrictions on accessing funds
  • $5 Birthday Buck deposited on your birthday!***
  • Refunded ATM Withdrawal Fees
  • No monthly service charges
  • Waived membership and minimum balance fee
  • Shared Branch Network

*The net new deposit incentive is credited quarterly and earnings will be deposited into your Youth Savings account. Maximum new deposit incentive earnings per quarter may not exceed $100. A 1099 tax form will be issued by Addition Financial only for the year the member has met the contingencies necessary to receive the funds. Please consult your tax advisor with any question.
**Receive a $25 deposit into the savings account when a new youth savings account is opened. Incentive of $25 will be deposited within 7 business days of account opening. A minimum balance of $5 is always required in the share savings account.
***One (1) $5.00 birthday bonus deposit will be made once a year on a date during the Youth Savings primary owner’s birth month.


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Savings comes in more than one size

The needs of your toddler are different from the needs of your teen, so Addition Financial offers two unique savings accounts designed for different stages of your child’s life.
  1. 1
    Youth Savings

    It’s never too early to help your child save! Designed for ages 0 to 12, it’s like a piggy bank but better.

  2. 2
    Student Checking

    This account helps students take a more active role in saving and money management.