Youth Savings Accounts for Kids & Teens

Savings accounts that grow with your child, from their first piggy bank to their first paycheck.

A youth savings account is one of the easiest ways to help your child build smart money habits early. Oklahoma Central offers two, based on age: Kids Club Savings for ages 0 to 12 and Varsity Club Savings for ages 13 to 17. Both have no monthly fees, a $5 minimum to open, and free financial lessons that can earn your child a $25 bonus.

Kids Club Savings

Ages 0-12 · No monthly fees · $5 to open

See Kids Club

Varsity Club Savings

Ages 13-17 · Free ATM card† · $5 to open

See Varsity Club

Kids Club Savings Accounts

  • For kids ages 0 to 12
  • 3.00% APY* on balances $0.00 - $999.99
  • $5 minimum deposit to open
  • No monthly fees
  • Free financial capability lessons
  • Accounts are insured up to $250,000 by the National Credit Union Administration and an additional $250,000 by Excess Share Insurance - Learn more about Account Insurance.

*APY - Annual Percentage Yield effective 10/01/26. A $5 minimum balance is required to open the account. 3.00% APY is earned on all balances up to $999.99—no minimum balance required to earn APY. Dividends are compounded quarterly and stated rates may change after account opening. Fees could reduce earnings. Membership conditions may apply.

Varsity Club Savings Accounts

The perfect account for 13-17 year-olds looking to save some money!

OPEN ACCOUNT

Varsity Club Savings

Ready for a debit card? Pop Checking is our youth checking account for ages 13 and up. 

*APY - Annual Percentage Yield effective 10/01/26. A $5 minimum balance is required to open the account. 3.00% APY is earned on all balances up to $999.99—no minimum balance required to earn APY. Dividends are compounded quarterly and stated rates may change after account opening. Fees could reduce earnings. Membership conditions may apply.

†With adult authorization.

 

Earn While You Learn! Get $25

If you have a child or teen enrolled in one of our youth club savings accounts, challenge them to learn more about the power of saving by playing fun and interactive games focused on personal finance! When your child completes a Banzai course, they’ll receive a certificate of completion. Bring the certificate to any of our 9 branch locations and we’ll reward their effort with a $25 deposit into their youth savings account!

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