CD Rates
Highest Youth CD Rates
The highest youth CD rate on Banksparency is 6.09% APY, advertised by First Security Bank on its Kids Klub Go Green CD. This page tracks 15 active youth CDs from 10 banks.
By Aviel Fahl
|Youth CD Rate Summary
10 banks tracked in this category.
The mean of all tracked youth CD APYs is 3.52%. The FDIC national average for 12-month CDs is 1.73% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 1, 2026.
Market Snapshot
Top 10 Range
3.15%–6.09% APY
Average APY
3.52% APY
The mean of all tracked youth CDs
FDIC National Average
1.73%
12-month CDs, cap 5.74% · Sep 2026
Fed funds rate
3.88%
As of Oct 1, 2026
What a higher rate is worth
A year at the FDIC national average returns about $173 in interest on a $10,000 balance. The highest youth CDs we track advertise 3.15%–6.09% APY.
The neighbouring rankings, if this is not the account you want:
Highest Youth CD Rates Right Now
Ordered by highest APY. 15 products tracked.
First Security Bank leads at 6.09% APY on its Kids Klub Go Green CD. The tenth-ranked youth CD rate is 3.15%, so the top ten span 2.94 points. The leader is 3.5 times the FDIC national average of 1.73%.
First Security Bank
Kids Klub Go Green CD
Bank of Franklin County
18 Month YOUTH Fair CD Special · 18 months
The Citizens National Bank of Park Rapids
Graduate CD (18 Yrs & Younger)
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 6.09%APY Observed: Oct 3, 2026 Branches: Yes | $25 | ||
| #2 | 4.90%APY Observed: Oct 3, 2026 Branches: Yes | $100 | ||
| #3 | 4.00%APY Observed: Oct 3, 2026 Branches: Yes | $25 | ||
| #4 | 3.75%APY Observed: Sep 30, 2026 | $500 | ||
| #5 | 3.70%APY Observed: Sep 30, 2026 | $500 | ||
| #6 | 3.65%APY Observed: Sep 30, 2026 | $500 | ||
| #7 | 3.49%APY Observed: Oct 3, 2026 | N/A | ||
| #8 | 3.40%APY Observed: Sep 30, 2026 Branches: Yes | $250 | ||
| #9 | 3.25%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #10 | 3.15%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #11 | 3.00%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.00%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #13 | 2.90%APY Observed: Sep 30, 2026 Branches: Yes | $250 | ||
| #14 | 2.50%APY Observed: Sep 30, 2026 Branches: Yes | $1,000 | ||
| #15 | 2.00%APY Observed: Sep 30, 2026 Branches: Yes | N/A |
$25
Yes
$100
Yes
$25
Yes
$500
N/A
$500
N/A
$500
N/A
N/A
N/A
$250
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$250
Yes
$1,000
Yes
N/A
Yes
Youth CD rate questions
What is the highest youth CD rate right now?
First Security Bank advertises 6.09% APY on its Kids Klub Go Green CD, the highest of 15 active youth CDs tracked on Banksparency.
What is the average youth CD rate?
The mean of all 15 tracked youth CD APYs is 3.52%. It is a plain mean across every tracked product.
How do the top youth CD rates compare with the FDIC national average?
The ten highest advertised rates run from 3.15% to 6.09% APY, against an FDIC national average of 1.73%. The FDIC national rate cap for 12-month CDs is 5.74%.
When were these youth CD rates last observed?
The newest reading on this page is from Saturday, October 3, 2026. Banksparency reads each institution's advertised rate on that institution's own website, and it records the date of each reading. Some rates on this page carry an earlier date. A rate can change at any time, so confirm it with the institution before you open an account.