Highest Youth Savings Account Rates in Pennsylvania
16 Pennsylvania-specific products
Top Pennsylvania Rate:3.75% APYFDIC or NCUA Insured
The Pennsylvania market
Pennsylvania accounts
16
Institutions
15
Top Pennsylvania APY
3.75% APY
Nationally: 3.56% APY
FDIC national average
0.37%
As of Sep 2026
16 youth savings accounts are open only to Pennsylvania residents, from 15 institutions. The highest advertised APY among them is 3.75%.
The highest nationally available rate is 3.56% APY, 19 basis points below the Pennsylvania leader.
2 of the 16 Pennsylvania youth savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Pennsylvania-Specific Youth Savings Accounts
Youth Savings accounts specifically available to Pennsylvania residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Dollar Bank, Federal Savings Bank Start Smart Savings Up to3.75%APY On balances up to $10,000 · 0.75% above Observed: Oct 13, 2026 Show Details | +$375per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #2 | Show Details | +$40per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #3 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #4 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #5 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #6 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #7 | First Northern Bank and Trust Company Kid's Statement Savings 0.20%APY Min. balance: $1 Observed: Oct 7, 2026 Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #8 | Jarrettsville Federal Savings and Loan Association Jarrettsville Joey Youth Savings 0.15%APY Observed: Oct 3, 2026 Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #9 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #10 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #11 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #12 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #13 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #14 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #15 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #16 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0.01 |
#1
Dollar Bank, Federal Savings Bank
Start Smart Savings
+$375
per year
3.75% APY
Oct 13, 2026
On balances up to $10,000 · 0.75% above
APY Range: 0.75% – 3.75%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The stated APY applies to balances up to $10,000. Balances above $10,000 earn a lower rate. One authorized signer must be between the ages of 13 and 24, and a signer under 18 needs a parent or guardian over 18 as a co-owner. Once every authorized signer reaches the age of 25 the bank converts the account to a different savings account. The bank limits a customer to one of these accounts.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 32245) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#2
Hatboro Federal Savings, FA
School Savings
+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30155) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#3
Ambler Savings Bank
Children Savings
+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28701) |
| Eligibility | For children from birth to age 13. A parent or guardian must be the primary signer on the account. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#4
Harleysville Bank
Trusty's Club
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 31461) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#5
Marquette Savings Bank
Mpowered U Savings
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The account also serves as overdraft protection for the Mpowered U checking account opened alongside it.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30544) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#6
Reliance Savings Bank
Young Savers
+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30117) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#7
First Northern Bank and Trust Company
Kid's Statement Savings
+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7675) |
| Eligibility | The maximum age of the child is 16 years old. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#8
Jarrettsville Federal Savings and Loan Association
Jarrettsville Joey Youth Savings
+$15
per year
0.15% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 31083) |
| Eligibility | The account holder must be 16 years of age or under. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Official SiteJarrettsville Federal Savings and Loan Association
Direct Link to Product Page (Not Sponsored)
#9
Milton Savings Bank
Lil Rainbow Savers
+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The account is available to children aged 12 and under.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28637) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#10
Milton Savings Bank
Leap Forward Teen Account
+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The account is available to teenagers aged 13 to 17.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28637) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#11
Clarion County Community Bank
Youth Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57624) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#12
Investment Savings Bank
Kidz Klub Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | $20 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30121) |
| Eligibility | Available to children 16 years of age and younger. A parent may be a co-owner as long as the child is the primary owner. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#13
MCS Bank
Young Saver
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
One withdrawal per quarter is free. Each further withdrawal costs $10.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28186) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#14
Penn Community Bank
Junior Statement Savings
+$5
per year
0.05% APY
Oct 5, 2026
FDIC InsuredLow MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30401) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#15
Washington Financial Bank
Youth Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29520) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#16
Mid Penn Bank
My Savings
+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access
What to Watch
A $5 match is credited when $25 or more is deposited at a financial center within 30 days of the holder's birthday. It is limited to one redemption for each birthday.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0.01 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9889) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Nationally Available Youth Savings Accounts
The 4 highest-rate youth savings accounts available nationwide, including in Pennsylvania.
| 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% |