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Start Smart Account

Start Smart Account for Teens

Our Start Smart savings account gives your teen the ability to set a savings goal and continue to learn smart saving habits.

  • Earn higher interest than most savings accounts
  • $5 opening deposit to earn interest
  • Turn loose change into cash using the Coinstar machines at our branches
  • Unlimited deposits
  • Save for a car, college expenses and more

Open an Account

If you are an American First member, you can open a Start Smart account for your teen by visiting any branch or calling us.

Visit a Branch

Youth Savings Rates

As of 10/24/2020

CD Rates
Account Opening Deposit Minimum Balance for APY Dividend Rate APY
Safari Club (Age 12 or Younger) $5 $5 0.25% 0.25%
Start Smart Savings (Ages 13 to 17) $5 $5 0.25% 0.25%
Big Prize Savings

$25

 

$500

$3,000

0.05%

0.05%

0.05%

0.05%

Regular Savings

$50

 

$500

$3,000

0.05%

0.05%

0.05%

0.05%

APY = Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. Balances under minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. 

 

Open a Personal Checking for your Teen

Open a personal checking account with a debit card for your teen to start learning smart saving and spending habits early. Choose Totally Free Checking or a checking account that earns interest.

Discover Totally Free Checking

Learn More
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