Now Park View makes it even easier to schedule an appointment with one of our service representatives.Grow With Me Certificate
EARN 6.00% APY1
Grow With Me Youth Certificate
Little ones can save big, too
Help kids build strong financial habits early with the Grow With Me Youth Certificate. Designed just for members ages 0–17, this certificate makes it easy (and fun!) to learn the value of saving money.
It's never too early to learn how to be a smart saver.
Give a kid a few bucks, and their first thought is to spend it. That's where we come in. With the Grow With Me Certificate—and your guidance—we can help teach the value of saving and build financial habits that last a lifetime with this youth certificate.
Built for kids
Add funds anytime through online banking or at a branch
Joint ownership required
How it Works
Why choose a Grow With Me Certificate?
It starts with birthday money. Next comes pay for weekly chores and part-time jobs.
Soon, your youngster has real savings—and needs a place to make it count.
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Open Anytime (Ages 0–17)
Kick off your child’s savings journey with a small minimum deposit of $100. Available to members ages 0–17.
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Watch the Growth
Grow their savings with a competitive 6.00% APY1 You can continue adding money anytime in online banking or at a branch.
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Matures on Their 18th Birthday
The certificate automatically matures at age 18, giving them a boost toward a car, college, or whatever comes next.
Grow With Me Certificate Rates
Current as of 4/1/2025| Balance | Term | APY1 | Dividend Rate |
|---|---|---|---|
| Balances to $50,000 | Until age 18 | 6.00% | 5.870% |
| Over $50,000 | Until age 18 | 6.00-0.15% | 0.150% |
1APY = Annual Percentage Yield. Dividends paid quarterly. Must be age 17 and under to qualify. $100 minimum deposit. Certificate matures on child's 18th birthday. Certificate rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals. Balances over $50,000 will earn a reduced rate of 0.15% APY. Earnings may be reduced by fees. Membership required. |
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Get Started
How to Open Your Grow With Me Certificate
It's easy to get a Grow With Me Certificate.
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Open an Account
Schedule an appointment or give us a call—we’ll guide you through the account opening and answer any questions.
Schedule an Appointment -
Make an Initial Deposit
Open your Grow With Me Youth Certificate with a minimum deposit of just $100.
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Grow Your Savings
Earn dividends and keep building—add deposits anytime to help your child’s savings grow even faster.
Grow With Me Certificate FAQs
What to About Grow With Me Certificates
Check out some of these frequently asked questions to determine if a Grow With Me Certificate is right for your child.
Grow With Me Certificates are available exclusively for youth ages 0–17.
To open a Grow With Me Certificate, a youth savings account must be opened for the child. You’ll need the child’s:
- Social Security number
- Date of birth
- Full name
- Address
- Contact information
You’ll also need the contact information of a parent, grandparent, or legal guardian who will be listed as the joint owner on the account.
If the joint owner does not already have a Park View account, a valid ID may be required to complete the process.
Yes! You can add funds to the certificate at any time.
No, Grow With Me Certificates have a variable rate that adjusts annually in July.
Certificate dividends are paid out quarterly and can accumulate compound interest or be deposited into any share including your Park View Rewards account.
Withdrawing funds from a Grow With Me Certificate before it matures will result in a 365-day dividend penalty on the amount withdrawn.
You will be notified prior to the certificate maturing. The certificate matures automatically on your child’s 18th birthday and cannot be renewed. When it matures, the funds will roll into the account that was designated at the time of account opening.
Share certificates are very secure. You can earn a guaranteed rate of return and your money is insured up to $250,000 by the NCUA.
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Beyond Youth and Student Accounts, we offer even more to help our Youth Members succeed. Whether you're just starting school or heading off to college, we've got your back every step of the way.
Flexible Funding for College
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Money Learning That’s Fun
Kids can build smart money habits through fun articles, interactive games, and more engaging tools designed to make financial education exciting.
Turn Report Cards into Cash
Youth members and college students can submit their report cards for a chance to earn cash—just submit your report card to earn a cash reward.2