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Manage the seemingly impossible — get your teen serious about saving for the future in a certificate that makes it easy.

A Grow Well Certificate allows teens to set aside funds so they can’t easily access them, while earning a fixed return higher than a regular savings account. We offer a variety of terms — from 6 months to 5 years — that safeguards their savings until maturity. At that point, the teen can withdraw their guaranteed return or renew to continue saving.

  • Available to teens ages 13 to 17*
  • Fixed rates, higher than regular savings
  • Receive higher rates for higher balances and longer terms
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty**
  • Renews automatically upon maturity***
  • Free quarterly eStatements (combined statement with checking account)
  • $500 minimum deposit to open
Set your teen up for success!

*Must be younger than 18 years of age to qualify for a Grow Well Certificate. A parent or legal guardian must be listed as a joint owner on the account.

**Early withdrawal penalty: A penalty may be imposed for early withdrawal, which may reduce account earnings on certificates and IRAs.

***Automatic renewal: At maturity, certificates will automatically renew for same term at the current market rate if not withdrawn, except where disclosed differently.