Skip to content

EARN 5.00% 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.

Open an Account
View Rates
A woman and a child happily play together with a piggy bank, surrounded by colorful toys, saving for a youth certificate.

SPECIAL OFFER

Open a Grow With Me Certificate, Get $25 Instantly1

Starting a savings journey has never been more rewarding. Open a new Grow With Me Certificate for your child and a $25 bonus deposited instantly into the certificate. It's our way of celebrating every young saver!

Schedule an Appointment to Open an Account

SPECIAL OFFER

Open a Grow With Me Certificate, Get $25 Instantly1

Starting a savings journey has never been more rewarding. Open a new Grow With Me Certificate for your child and a $25 bonus deposited instantly into the certificate. It's our way of celebrating every young saver!

Schedule an Appointment to Open a Grow With Me Certificate

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.

  • Grow With Me 02

    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.

  • Grow With Me 03

    Watch the Growth

    Grow their savings with a competitive 5.00% APY.1 You can continue adding money anytime in online banking or at a branch.

  • Grow With Me 01

    Matures on Their 18th Birthday

    The certificate automatically matures at age 18, giving them a boost toward a car, college, or whatever comes next.

Schedule an Appointment to Open an Account

Grow With Me Certificate Rates

Current as of 4/1/2026
BalanceTermAPY2Dividend Rate
Balances to $50,000Until age 185.00%4.909%
Over $50,000Until age 185.00-0.15%0.150%

2Annual Percentage Yield (APY) is accurate as of 4/1/2026 and is subject to change. Dividend rate and APY may vary. Dividends are paid quarterly. Eligibility is limited to account holders age 17 and under. A minimum deposit of $100 is required at account opening. The certificate will mature on the account holder’s 18th birthday. Early withdrawals are subject to a penalty equal to 365 days of dividends. However, starting at age 15, the joint owner may close the certificate in full without penalty. Balances exceeding $50,000 will earn a reduced rate of 0.15% APY. Fees may reduce earnings.

Get Started

How to Open Your Grow With Me Certificate

It's easy to get a Grow With Me Certificate.

  • Step Number 1

    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
  • Step Number 2

    Make an Initial Deposit

    Open your Grow With Me Youth Certificate with a minimum deposit of just $100.

  • Step Number 3

    Grow Your Savings

    Earn dividends and keep building—add deposits anytime to help your child’s savings grow even faster.

Frequently Asked Questions

Grow With Me Certificates for Youth

Check out some of these frequently asked questions to determine if a Grow With Me Certificate is right for your child.

You might be interested in...

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.

A college student sits at a table with a laptop, symbolizing academic life and student loans.

Flexible Funding for College

Student Loans

Through our partnership with LendKey, Park View offers members access to private student loans and refinancing options.

Learn More
Cheerful young African American woman copywriter sitting in front of open laptop with mug and copybook on desk, checking estatements.

Money Learning That’s Fun

Financial Education

Kids can build smart money habits through fun articles, interactive games, and more engaging tools designed to make financial education exciting.

Learn More
A young girl eagerly raises her hand in class, ready to answer a question and turn in her report card for report card, a benefit of having a youth account at Park View.

Turn Report Cards into Cash

Report Cards

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.3

Learn More
Disclosures
1New Grow With Me Certificates (ages 0–17) opened between April 1, 2026, and May 31, 2026, are eligible for a $25 deposit bonus, deposited at account opening. Only one bonus per person will be awarded, regardless of the number of eligible products opened. The credit union reserves the right to modify or end this promotion at any time.
2Annual Percentage Yield (APY) is accurate as of 4/1/2026 and is subject to change. Dividend rate and APY may vary. Dividends are paid quarterly. Eligibility is limited to account holders age 17 and under. A minimum deposit of $100 is required at account opening. The certificate will mature on the account holder’s 18th birthday. Early withdrawals are subject to a penalty equal to 365 days of dividends. However, starting at age 15, the joint owner may close the certificate in full without penalty. Balances exceeding $50,000 will earn a reduced rate of 0.15% APY. Fees may reduce earnings.
3Open only to youth who have an account at Park View Federal Credit Union. Report Cards will be accepted for the most recent grading period only. The credit union will accept report cards issued by public or private schools. Home-schooled students may submit a written note or academic record indicating satisfactory performance, up to four times per calendar year. College students may receive one reward per semester. VUTMA (Virginia Uniform Transfers to Minors Act) accounts are not eligible for Report Card Rewards.
Membership eligibility required. Insured by NCUA.