Youth Accounts

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Student Certificate Special
Get up to

4.59%APY*

13 Month Term | $250 Minimum

Youth accounts must be opened in branch by a parent or legal guardian.

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Youth Savings Account
Opened during Youth Month

$5 Deposit Match²

On first $5 saved

Membership fee waived

Savings for Your Little Dreamer 

Encourage your kids to explore the world of spending and saving by helping them open their very own CD or savings account! They’ll get out-of-this-world student CD rates and we’ll boost their savings by matching their first $5 in deposits.2  

Plus, kids visiting a branch during Youth Month will get free stickers or a pin set.3 

There’s so much to discover! Helping your children learn to save prepares them for a successful future launch into adulthood. Visit a branch to open an account for your child today!


Youth Month Pop-Up Classes 

Explore our topics this month and save your spot for free online educational classes. 

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Checking & Savings

Youth checking and savings are foundational accounts – a launchpad to help you kid’s savings blast off! 

Checking Details
Savings details
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Student Certificate

Our student certificate features a stellar rate just for kids. Help them open one today so they can watch their money grow! 

CERTIFICATE details
APPLY IN BRANCH
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Money Management

Set up Goal Builder for your kids in digital banking to help them track, achieve and celebrate their goals!  

LEARN MORE

The Pre-School Years

Take the first step by opening a savings account or certificate. Monetary gifts from loved ones can be deposited to help start their savings journey off right.

  • Explorer Savings
  • Youth Certificate

During Elementary School

This is a great time to help your child establish savings goals! Visit a branch and show them how to deposit their allowance into their savings account.

  • Explorer Savings
  • Youth Certificate

Your Middle Schoolers

Set your kid up with online access so they can track their goals on their own. Our app comes equipped with features that make saving fun and easy.

  • Money Management Tools
  • Youth Certificate
  • Explorer Savings
  • Youth Checking

The High School Years

Once they’re 15 they’ll be eligible for a debit card! By this time they’ll be ready to make their own purchases and put their money skills to the test.

  • Money Management Tools
  • Youth Certificate
  • Explorer Savings
  • Youth Checking

Financial Training Ground

Talking to your kids about money can be difficult. We help make it easy and fun with a number of free online financial learning resources.

They can learn about checking and savings basics, early budgeting fundamentals and money management skills.

Start learning

Find your nearest branch or ATM

We’re part of the CO-OP ATM network! That means with us you’ll gain access to over 30,000 ATM locations nationwide. That’s more than most banks!
Wherever you roam, Horizon’s along for the ride. 

Find Locations

1APY = Annual Percentage Yield. Rates accurate as of 04/01/25 and are subject to change. Minimum balance of $250 for 13 months. Early withdrawal penalties apply. Offer expires 04/30/2025. $20 membership fee waived for new members under age 25. Youth accounts may only be opened by the child’s parent or legal guardian. Restrictions may apply.  

2Deposit match applies to first $5 only for youth accounts (ages 0-25) opened during the month of April 2025. $20 membership fee waived for new members under age 25. Youth accounts may only be opened by the child’s parent or legal guardian. Offer expires 04/30/2025. Restrictions may apply.   

3While supplies last.  

The rates and terms shown are effective as of April 1, 2025.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.