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Start saving early with a Youth Savings account.

Any member age 18 or younger can open a Heritage Youth Savings account, which offers a higher dividend rate than a regular savings accounts on balances less than $5,000. Once the member turns 19, the account switches to a Primary Savings account.

Youth Savings Accounts

Youth Savings Account (18 and under)

Minimum Deposit/Balance


Minimum Balance to Earn Dividends


Youth Savings Account Rates

View Rates

Yellow Dude Youth Program

Yellow Dude

Yellow Dude loves to help young savers (age 15 and under). He rewards kids for making smart money choices. Bring your Yellow Dude savings book in every time you make a deposit or complete activities to earn points towards a fun prize from Yellow Dude!

  • Understand the importance of money
  • Learn how to use money wisely
  • Develop a healthy savings habit
Point Chart

Point Chart

Deposit of up to $24.99

1 stamp (limit 1 per week)

Deposit of $25 or more

2 stamps (limit 1 per week)

Bring back your completed Welcome Activity

2 stamps

Get good grades

1 stamp for every A on your report card

(bring in your report card within 2 weeks)

Savings Crossword (older kids)

2 stamps

Can you find the difference? (younger kids)

2 stamps


20 stamps = Beach Ball

40 stamps = Drawstring Bag

60 stamps = Water Bottle with Straw

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