BalanceBuilder Junior Savers
Help Your Young Saver Become a Savings Superhero
Saving matters.
For kids and teens too!
Questions?
Chat with one of our
checking account experts.
Every superhero has an origin story. Give your child a head start on smart money habits with a BalanceBuilder Junior SaversTM account from IHMVCU.
For a limited time, when you open a new BalanceBuilder Junior SaversTM account, we'll power up their savings with a $50 bonus deposit**. It's an easy way to help kids and teens start building healthy financial habits while working toward their goals.
Whether they're saving for something special, learning how money grows, or building confidence with every deposit, BalanceBuilder Junior SaversTM helps put them on the path to financial success.
Open their account today and get their savings journey off to a super start.
* APY = Annual Percentage Yield. Rates valid as of 09/01/2026. Rates are variable and are subject to change after the account is opened. If stated, the account requires a minimum balance to earn the listed APY. Fees may reduce earnings on the account. Other conditions may apply. Please refer to IHMVCU's terms of use and account opening policies for important information and disclosures. Only minors under the age of 18 are eligible for a BalanceBuilder Junior SaversTM account. Must meet average daily balance requirements ($1 increase over previous month’s balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate on balances up to $2,500, otherwise non-qualifying rate applies. Balances over $2,500.01 will earn regular savings rate; non-qualifying rate is 0.05%.
** Bonus offer not valid for current Balance Builder Savings holders. IHMVCU will deposit a $50 bonus into any BalanceBuilder Junior SaversTM account (one per SSN) opened on or before 12/31/2026. The account must be open for at least 60 days, have an average daily balance of $50 and be active at the time of payout. Payout will occur within 30 days of meeting eligibility requirements. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable.) Federally insured by NCUA.
Give your kid a financial head start
Our BalanceBuilder Junior SaversTM program helps kids learn smart money habits early, and we’ve got resources to make it easier for parents, too. Check out our guide for simple coaching tips, conversation starters, and fun activities you can do together. Plus, keep an eye on your email for more ideas and helpful tools to keep the earning, learning, and saving going.
