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Youth Savings

Teach, save, grow

Your child's financial future starts here.

  • Overview

    Start young, save big

    Teaching your child, tween or teen how to save is more than piggy bank fun. From coins to cash, learning early means growing up money-smart and we’re here to help.

    Low minimum opening deposit

    Open with as little as $5.

    No monthly maintenance fee

    Because saving shouldn’t cost your child anything.


    Helping your kids watch their money grow is easy with the Heartland Mobile App. Plus, you’ll have access to transfer money from your Heartland account to theirs and deposit birthday, holiday or graduation checks remotely.

    Automatic savings

    Set up automatic transfers from your Heartland account to theirs for allowance.

    Online banking

    View your child’s account on a computer via online banking. You can view statements, set alerts, transfer money and more.

    Safe and secure

    You can rest easy knowing deposits are federally insured by NCUA to $250,000 and an additional $250,000 through Excess Share Insurance Corp (ESI).

  • FAQs
    • Yes. Please note, youth accounts are allowed a debit card if the youth member is 10 years old and older. However, exceptions can be made if requested by a guardian/parent and approved by management.

    • To remain a member of Heartland, your Primary (Share, Youth) Savings account must remain open with a balance of $5 – which is your share or ownership in the credit union. If you would like to close your account and no longer be a member, you can visit a branch or contact us at (651) 451-5160 or (800) 813-9185.

    • We serve 10 Minnesota Counties: Anoka, Carver, Chisago, Dakota, Scott, Rice, Le Sueur, Hennepin, Ramsey and Washington. In addition, we serve the employees and retirees from a variety of businesses. Plus, if you’re related to a Heartland member you can join. Learn More to see if you’re eligible.

    • If you meet one of the eligibility requirements, you can become a member of Heartland. To become a member, you must purchase at least one share by depositing $5 into the share or youth savings account. Start your online application.

  • Rates
    Rates Effective as of: 05-23-2024
    Basic Savings AccountsDividenedAPY*
    Primary Share Savings ($5 min. to open)0.05%0.05%
    Youth Savings ($5 min. to open)0.05%0.05%
    Business Savings ($5 min. to open)0.05%0.05%
    Secondary Savings Accounts ($5 min. to open)0.05%0.05%
    Automatic Savings ($10 min. to open)2.97%3.00%

    *APY is annual percentage yield. Rates quoted are in effect 5/1/2024 and are subject to change. If interest is paid to another account, APY may vary. Dividends are compounded and paid monthly.
    Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
    Automatic Savings Account – Minimum automatic deposit of $10 per month is required. Additional deposits allowed anytime. Refer to the fee schedule for account details.
    +Anticipated dividend (interest)

Although my son has had an account with another bank for three years, the decision to switch to Heartland was simple. Thanks to the Shared Services options, my son is now a Heartland Credit Union member and can do his finances more easily with multiple choices i.e debit card, internet banking, bill pay, ATM and Shared Service Centers.  Thank you Heartland Credit Union!


Easy-to-use app

Around-the-clock access to your kid’s account with the Heartland Mobile App.

Open an account online in minutes.