Start Young Savings
- Earn 0.10% APY dividend rate1
- $25 minimum opening deposit
- Easy deposits and transfers to your child’s account
A savings journey that adapts as your child grows!
| 0-7 Age Group | 8-12 Age Group | 13-17 Age Group |
|---|---|---|
| $25 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app | $25 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app | $25 minimum opening deposit No monthly maintenance fees* Dividend Rate: 0.10% APY1 24/7 secure access using online banking and mobile app |
Time-Limited Special Offer!
Help your child begin their financial stewardship journey with AdelFi. Open a Start Young Savings Account with an initial deposit of $50 or more and receive a $50 bonus after 60 days.2 Parent or guardian must be a member to qualify.
Use Promo Code: YOUTH
Offer ends 8/31/26
Bundle for a Strong Start to Smart Spending
Start Young Checking
- $25 minimum opening deposit
- Easy deposits and transfers to your child’s account
Designed to grow with your child through every stage from ages 0-17!
| 0-7 Age Group | 8-12 Age Group | 13-17 Age Group |
|---|---|---|
| $25 minimum opening deposit No monthly maintenance fees or minimum balance* 24/7 secure access using online banking and mobile app Debit card access | $25 minimum opening deposit No monthly maintenance fees or minimum balance* 24/7 secure access using online banking and mobile app Debit card access | $25 minimum opening deposit No monthly maintenance fees or minimum balance* Mobile person-to-person payments powered by Bill Pay Debit card access 24/7 secure access using online banking and mobile app |
Start Young Debit Card
How to Use the Card
0-7 Age Group
- Demonstrate responsible card ownership
- Explain how card purchases equal real money
- Introduce simple budgeting and spending limits
- No service or overdraft fees
8-12 Age Group
- Teach safe online purchasing habits
- Demonstrate card convenience and responsibility
- Reinforce how card spending uses real money
- Practice ATM access for deposits and withdrawals
- No service or overdraft fees
13-17 Age Group
- Everyday purchases on their own (gas, snacks, etc.)
- Online and in-store purchase options
- ATM access for deposits and limited withdrawals
- No service or overdraft fees
Terms & Conditions
*Please refer to Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions are accurate as of 05/20/2026 and are subject to change without notice.
1. Start Young Savings: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. Fees may reduce earnings. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. AdelFi dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY for Start Young Savings accounts.
*Start Young Checking: AdelFi will not charge any additional domestic ATM fees, however non-CO-OP ATM fees may apply. For international transactions including POS (Point of Sale), ATM Withdrawal and OTC (Over the Counter), an international transaction fee of 3% will apply and some merchants may opt to charge withdrawal fees.
*Please refer to AdelFi Truth and Savings and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.
2. Special Offer: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2026 and are subject to change without notice. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY for Start Young Savings accounts. Fees may reduce earnings. The $50 deposit bonus is available to AdelFi members who open a new AdelFi Start Young Savings Account jointly with their child who does not have accounts with AdelFi between May 14, 2026 and August 31, 2026. The parent or legal guardian must be a joint owner on the account. Bonus will be deposited into the new AdelFi Start Young Savings Account between 60 and 90 days of account opening. Bonus is considered taxable income and the recipient may be responsible for any tax implications. Bonus is limited to one per member, per 12-month period. To qualify, the parent or legal guardian must be at least 18 years of age and a member of AdelFi in good standing at the time the bonus is deposited. AdelFi membership eligibility and $50 opening deposit required. AdelFi reserves the right to modify or suspend this offer at any time without notice.