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Teach Your Kids to Save
Kids Club Savings: Your Child's First Step in Money Management
Ready to open the best kids savings account for your child? When you open a Star Savings account, your child is automatically enrolled in our exclusive Kids Club! This is more than just a savings account; it's a fun way to introduce financial literacy for kids and help them develop healthy money habits. As a youth savings account member, your child will receive a special birthday card every year, redeemable for $10 to be deposited at any Citadel branch – a fantastic way to encourage saving, right up to their 12th birthday!
Benefits of a Kids Club Account
Low Minimum Balance
The account features a low minimum balance of $5.
Birthday Reward
Your child receives a birthday card redeemable for $10.1 The card can be redeemed and deposited at any Citadel branch.
Competitive Rates
Competitive rates that increase as the account balance grows. Minimum balance to earn APY is $5.00.
Kids Club Star Savings Rates
*APY = Annual Percentage Yield. Read Full Disclosures.
Not sure how to choose a savings account? Take our quick quiz to determine which option best fits your needs.
Start QuizAdditional Features
- No monthly fees
- Free Online & Mobile Banking
- Add one of Citadel’s Teen Debit Accounts at age 13 to start developing everyday spending skills
Fees
$0
No fees apply until your child turns 131
Is your teenager ready for a debit card?
Get Them Started
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Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is dependent on account type. Fees may reduce earnings. Rates are variable and may change after account opening.
1 Kids Club members will receive a birthday card to be redeemed and deposited at a Citadel branch, on every birthday, up to and including your 12th birthday. Limit one Birthday Reward per eligible child, per year. The Savings account needs to be opened in child’s name, as primary account owner, to be eligible for Kid’s Club Birthday Reward. Monthly inactivity fee is waived up to age 13 and can easily be avoided with transaction activity every year or total deposit balances of $500 or more. Monthly service fee is waived up to age 21. For a complete list of all service fees visit citadelbanking.com/Fees