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Highest Youth Savings Account Rates in Kansas
13 Kansas-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Kansas Rate:2.00%

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.

#1

First FarmBank

Explorer Savings

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58508)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst FarmBank

Direct Link to Product Page (Not Sponsored)

#2

First Nebraska Bank

Little Sprout Savings Account

+$136
per year
1.36% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12248)
EligibilitySavings account for customers 16 years of age or younger (Adult joint owner required).
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.05%
Since 7 days ago
Official SiteFirst Nebraska Bank

Direct Link to Product Page (Not Sponsored)

#3

Kendall Bank

Youth Savings

+$100
per year
1.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8110)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteKendall Bank

Direct Link to Product Page (Not Sponsored)

#4

Kaw Valley Bank

Teen Savings

+$60
per year
0.60% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9665)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteKaw Valley Bank

Direct Link to Product Page (Not Sponsored)

#5

Golden Belt Bank, FSA

Youth Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. Balance$0
Maintenance FeeNo monthly service charges.
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28735)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGolden Belt Bank, FSA

Direct Link to Product Page (Not Sponsored)

#6

First State Bank of St. Charles, Missouri

Next Generation Savings

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Two withdrawals each month are free. Each additional withdrawal costs $1.00.

Show Fine Print & Trends
Min. Deposit$75
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12219)
EligibilityAvailable to family members up to 26 years of age.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst State Bank of St. Charles, Missouri

Direct Link to Product Page (Not Sponsored)

#7

Citizens Federal Savings Bank

Dollar Dog Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30150)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCitizens Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#8

Exchange Bank & Trust

Youth Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Three withdrawals each month are free. Each further withdrawal in the same month costs $1.00.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4619)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteExchange Bank & Trust

Direct Link to Product Page (Not Sponsored)

#9

The Citizens State Bank

Personal Youth Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$10
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17672)
EligibilityAccount holders 23 years of age or below.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Citizens State Bank

Direct Link to Product Page (Not Sponsored)

#10

Elevate Bank, National Association

Minor Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4770)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteElevate Bank, National Association

Direct Link to Product Page (Not Sponsored)

#11

First Federal Bank of Kansas City

Minor Savings Account

+$15
per year
0.15% APY
Oct 13, 2026

Needs at least $1,000

APY Range: 0.10% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$200
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29047)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Bank of Kansas City

Direct Link to Product Page (Not Sponsored)

#12

First National Bank of Kansas

Children Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4794)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank of Kansas

Direct Link to Product Page (Not Sponsored)

#13

Academy Bank, National Association

Student Savings Account

+$3
per year
0.03% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

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
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19600)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAcademy Bank, National Association

Direct Link to Product Page (Not Sponsored)

Nationally Available Youth Savings Accounts

The 4 highest-rate youth savings accounts available nationwide, including in Kansas.

InstitutionProduct / Term
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%

See the full national list