BECU's Early Saver account pays 5.12% APY on the first $500 deposited for children under 18, and 0.20% APY on balances above $500. There are no monthly maintenance fees or minimum balance requirements to open the account.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the BECU Early Saver rate
- Apply through the offer page to open the Early Saver.
- Complete the requirement: No minimum balance, tiered rates.
The fine print that matters
- Higher interest rate of 5.12% APY applies only to the first $500 deposited
- Balance above $500 earns 0.20% APY
- No monthly maintenance fees
- No minimum balance requirements
- Federally insured by NCUA up to $250,000 per account ownership and category
- Rates are subject to change
Verification and reports
Confirmed against becu.org on Aug 2, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: becu.org rate page (checked Aug 2, 2026)
Other BECU offers, so you can compare
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