Highest Youth Savings Account Rates in Kansas
13 Kansas-specific products
The Kansas market
Kansas accounts
13
Institutions
13
Top Kansas APY
2.00% APY
Nationally: 3.56% APY
FDIC national average
0.37%
As of Sep 2026
13 youth savings accounts are open only to Kansas residents, from 13 institutions. The highest advertised APY among them is 2.00%.
The highest nationally available rate is 3.56% APY, 156 basis points above the Kansas leader.
5 of the 13 Kansas youth savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Kansas-Specific Youth Savings Accounts
Youth Savings accounts specifically available to Kansas residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$200per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #2 | First Nebraska Bank Little Sprout Savings Account 1.36%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$136per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #3 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #4 | Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #5 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #6 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $75 | |
| #7 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #8 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #9 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #10 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #11 | First Federal Bank of Kansas City Minor Savings Account Up to0.15%APY Needs at least $1,000 Observed: Oct 13, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #12 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #13 | Academy Bank, National Association Student Savings Account 0.03%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
First FarmBank
Explorer Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58508) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Nebraska Bank
Little Sprout Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 12248) |
| Eligibility | Savings account for customers 16 years of age or younger (Adult joint owner required). |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Kendall Bank
Youth Savings
What to Watch
The account is for a holder under 18. When the holder turns 18, the minimum balance requirement and the monthly maintenance fee of the bank's regular savings account begin to apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8110) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Kaw Valley Bank
Teen Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9665) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Golden Belt Bank, FSA
Youth Savings
What to Watch
Open to account owners aged 17 and under. The account converts automatically to a Personal Savings account on the owner's 18th birthday.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | No monthly service charges. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28735) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First State Bank of St. Charles, Missouri
Next Generation Savings
What to Watch
Two withdrawals each month are free. Each additional withdrawal costs $1.00.
Show Fine Print & Trends Hide Details
| Min. Deposit | $75 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 12219) |
| Eligibility | Available to family members up to 26 years of age. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citizens Federal Savings Bank
Dollar Dog Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30150) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Exchange Bank & Trust
Youth Savings
What to Watch
Three withdrawals each month are free. Each further withdrawal in the same month costs $1.00.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4619) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Citizens State Bank
Personal Youth Savings
What to Watch
For holders aged 23 or under. At age 23 the account becomes a standard Savings account. The monthly maintenance fee is waived for holders under 23.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17672) |
| Eligibility | Account holders 23 years of age or below. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Elevate Bank, National Association
Minor Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4770) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Federal Bank of Kansas City
Minor Savings Account
Needs at least $1,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29047) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank of Kansas
Children Savings
What to Watch
For children and teens under 18. Six free withdrawals or transfers per quarterly cycle; each extra one costs $1. After a year with no activity, a balance of $5.00 or less goes to a service charge.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4794) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Academy Bank, National Association
Student Savings Account
What to Watch
The account converts to a regular Savings Account at age 23, and a minimum balance is required from that point to avoid a monthly service charge. An owner aged 17 or younger must have a parent or guardian as a joint owner.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19600) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available Youth Savings Accounts
The 4 highest-rate youth savings accounts available nationwide, including in Kansas.
| Institution | Product / Term | APY |
|---|---|---|
| Climate First Bank | Youth Savings | 3.56% |
| Capital One | Kids Savings Account | 2.50% |
| Axos Bank | First Savings | 0.25% |
| Carver Bank | Youth Savings | 0.10% |