Youth Savings

Smart Young Savers

It’s never to early to begin saving for the future, and there’s no better account for smart students from elementary to high school than the Smart Young Savers Youth Savings account at Consumers National Bank. There is no minimum balance and no monthly fees. Start smart savings habits by opening an account for your smart student today.

Balance Tiers

Interest Rate (APY)*

$0.01 – $1,000.00


$1,000.01 – $2,000.00


$2,000.01 – $3,000.00


$3,000.01 – $4,000.00


$4,000.01 – $5,000.00


$5,000.01 or greater


*APY = Annual Percentage Yield. Fees may reduce earnings.
Rates accurate as of 07/13/2024 and subject to change at any time at our discretion. Only one Smart Young Savers account per Social Security Number. See account disclosure for details. | Member FDIC


For customers under age 18

Interest calculated, compounded, and paid quarterly

Free online banking

Free mobile banking

Free mobile check deposit

Free e-statement

Low $10 minimum deposit required to open


Start setting aside funds now for your children or grandchildren with an UTMA (Uniform Transfers To Minors Act) Savings account. You manage the account until the their 21st birthday. It is a proactive way to save for future educational costs, a car, or anything else your kids may need later on in life.


Competitive interest rate

No monthly service charge until age 18

Unlimited deposits

No minimum balance to keep

Account controlled by custodian

Anyone can make deposits, but only the custodian can withdraw

Control reverts to minor on 21st birthday

Interest calculated, compounded and paid quarterly