From the moment they're born you want what's best for them. We're here to help get you started financially. From saving for their future with exclusive high yield CD's to helping them learn how to save on their own. Wherever life brings your family, grow with Har-co.
Open a youth savingsOpen a youth CDOpen a youth checking

Growing up Har-co Savings Account

  • We'll give you $10 to get your child's account started
  • An extra birthday gift on top of their birthday deposits - When they deposit $25 or more within 30 days of their birthday, we'll deposit $10 in their savings
Open a youth savings

Growing up Har-co CD

  • Exclusive 5.50% APY* for 36 months
  • For children from birth through 19 years old
  • $5,000 per CD - 5 CDs per child
Open a youth CD

Growing up Har-co Checking Account

  • Starting at 16 your child can open a checking
  • Set up debit card limits and monitor their spending through our app
  • Access to over 32,000 ATMs with no fees - locate them here
Open a youth checking
*APY = Annual Percentage Yield.  Minimum of $100 required to open the account.  Maximum is $5,000.  APY is accurate as of 3/25/24.  APY assumes principal and interest remain on deposit of the full term at the quoted rate.  Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.  Interest earned may be withdrawn at any time without penalty.  Interest is compounded and credited monthly.  If CD is closed before the accrued interest is credited, accrued interest will not be paid.  CD will automatically renew at the rate being offered for the 36-Month Youth CD at maturity. 
The Learning Corner

Personal finance is important for kids of all ages. From counting money, to learning how to save, to building credit. We've curated fun and engaging games and resources to help your child grow their financial literacy!

  • Elementary School

    World of Cents Game
    Note: You will be leaving the Har-co site.

    World of Cents is a teaches the value of money through the concepts of earning, saving and spending money, while incorporating basic math concepts. They get to build their own playground, but will have to make sure they have enough money to build it up! Presented by the National Credit Union Association (NCUA).

    Your elementary aged kids can also learn from this activity book provided by the Federal Deposit Insurance Corporation here.

  • Middle School

    Lights, Camera, Budget Game
    Note: You will be leaving the Har-co site.

    Lights, Camera, Budget - provided by Georgia Public Broadcasting Education* - is a fun game where your middle school aged child gets to make their own movie with a set budget. Can they make a blockbuster while staying within budget? Where will the spend their money? How will they save it?

    *Har-co is not endorsed or sponsored by Georgia Public Broadcasting (GPB)

  • High School

    Hit the Road Adventure Game
    Note: You will be leaving the Har-co site.

    You and your friends are going on a cross country trip to Colorado from DC! You’ll need food, gas, medicine and other supplies - which you can get throughout your trip, but prices vary across the country! You’ll also get achievements for viewing different sights.  You start out with debt, but that will automatically be paid from your checking each day. Begin the adventure here! Presented by the National Credit Union Association (NCUA).

For educators

Teach your students the importance of financial literacy with these guided activities and handouts.

View education materials