Kids' Savings Account

Kids' Stanford Savers Account

Help your child learn the importance of managing money and saving for a rainy day. Our Kids’ Stanford Savers Account has a low $1.00 opening deposit and no monthly fee. A parent or guardian is required as a joint account owner.

Free for children under age 13

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$50 minimum balance to earn dividends (rate is variable)

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Minimum $1.00 deposit to open the account

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No monthly fee (an inactivity fee will be charged if there are no transactions in 12 consecutive months)

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Access funds through Online or Mobile Banking

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Set up payroll deductions or direct deposit to build your child’s savings faster

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Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration

Learn more about Stanford FCU’s commitment to protecting the online privacy of children.

Coverdell Education Savings Account (ESA)


Funded with post-tax income*
Maximum annual contribution is $2,000 per student
Contributions can be made up to a child's 18th birthday
Can be used for elementary, secondary, or higher education
Assets can be transferred to another education savings account for a qualified family member
Non-qualified withdrawals are subject to federal income tax as well as a penalty tax

Kids' Stanford Savers Account Rates

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Account Description Dividend Rate Annual Percentage (APY)
Kids' Stanford Savers Account 0.20% 0.20%
Coverdell Education Savings Account (ESA) 0.20% 0.20%

Effective 11/4/19

Savings Education

Learn the financial basics about savings accounts with our Online Learning Modules.

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*Consult a tax advisor. Dividends are compounded and paid monthly. Membership eligibility is required.